Toyota Prius Prime Insurance Rates
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UPDATED: May 21, 2024
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U.S. average insurance prices for a Toyota Prius Prime are $1,336 every 12 months with full coverage. Comprehensive costs around $292, collision costs $524, and liability insurance is $384. Liability-only coverage costs around $432 a year, with high-risk coverage costing around $2,892. Teens pay the highest rates at $4,936 a year or more.
Average premium for full coverage: $1,336
Price estimates for individual coverage:
Includes $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Prius Prime trim levels.
Price Range from Low to High
For the average 40-year-old driver, Toyota Prius Prime insurance prices go from the cheapest price of $432 for just liability coverage to a much higher rate of $2,892 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below details estimated Toyota Prius Prime insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $762
- Raising to $1,000 deductibles will save about $186 annually
- The average price for the average middle-age driver using $500 deductibles is $1,336
- Selecting more expensive low deductibles increases the price to $1,696
- Higher-risk drivers with serious driving violations could pay at least $2,892 or more
- The price to insure a teen driver with full coverage can be $4,936
Auto insurance prices for a Toyota Prius Prime are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $550 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 134% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Toyota Prius Prime insurance rates. A middle-age driver might find prices as low as $960 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,800 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,206 | -$130 | -9.7% |
| Alaska | $1,024 | -$312 | -23.4% |
| Arizona | $1,106 | -$230 | -17.2% |
| Arkansas | $1,336 | -$0 | 0.0% |
| California | $1,522 | $186 | 13.9% |
| Colorado | $1,272 | -$64 | -4.8% |
| Connecticut | $1,370 | $34 | 2.5% |
| Delaware | $1,508 | $172 | 12.9% |
| Florida | $1,666 | $330 | 24.7% |
| Georgia | $1,234 | -$102 | -7.6% |
| Hawaii | $960 | -$376 | -28.1% |
| Idaho | $904 | -$432 | -32.3% |
| Illinois | $994 | -$342 | -25.6% |
| Indiana | $1,008 | -$328 | -24.6% |
| Iowa | $902 | -$434 | -32.5% |
| Kansas | $1,268 | -$68 | -5.1% |
| Kentucky | $1,820 | $484 | 36.2% |
| Louisiana | $1,976 | $640 | 47.9% |
| Maine | $824 | -$512 | -38.3% |
| Maryland | $1,100 | -$236 | -17.7% |
| Massachusetts | $1,064 | -$272 | -20.4% |
| Michigan | $2,316 | $980 | 73.4% |
| Minnesota | $1,118 | -$218 | -16.3% |
| Mississippi | $1,600 | $264 | 19.8% |
| Missouri | $1,184 | -$152 | -11.4% |
| Montana | $1,434 | $98 | 7.3% |
| Nebraska | $1,050 | -$286 | -21.4% |
| Nevada | $1,600 | $264 | 19.8% |
| New Hampshire | $962 | -$374 | -28.0% |
| New Jersey | $1,492 | $156 | 11.7% |
| New Mexico | $1,180 | -$156 | -11.7% |
| New York | $1,406 | $70 | 5.2% |
| North Carolina | $768 | -$568 | -42.5% |
| North Dakota | $1,092 | -$244 | -18.3% |
| Ohio | $920 | -$416 | -31.1% |
| Oklahoma | $1,370 | $34 | 2.5% |
| Oregon | $1,224 | -$112 | -8.4% |
| Pennsylvania | $1,272 | -$64 | -4.8% |
| Rhode Island | $1,780 | $444 | 33.2% |
| South Carolina | $1,210 | -$126 | -9.4% |
| South Dakota | $1,126 | -$210 | -15.7% |
| Tennessee | $1,168 | -$168 | -12.6% |
| Texas | $1,610 | $274 | 20.5% |
| Utah | $988 | -$348 | -26.0% |
| Vermont | $912 | -$424 | -31.7% |
| Virginia | $798 | -$538 | -40.3% |
| Washington | $1,030 | -$306 | -22.9% |
| West Virginia | $1,224 | -$112 | -8.4% |
| Wisconsin | $922 | -$414 | -31.0% |
| Wyoming | $1,188 | -$148 | -11.1% |
Since prices can be so different, the best way to find out your exact price is to compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius Prime | $358 | $630 | $332 | $1,456 |
| 2023 Toyota Prius Prime | $344 | $626 | $338 | $1,444 |
| 2022 Toyota Prius Prime | $332 | $610 | $354 | $1,432 |
| 2021 Toyota Prius Prime | $320 | $586 | $364 | $1,406 |
| 2020 Toyota Prius Prime | $304 | $564 | $376 | $1,380 |
| 2019 Toyota Prius Prime | $292 | $524 | $384 | $1,336 |
| 2018 Toyota Prius Prime | $280 | $494 | $388 | $1,298 |
Rates are averaged for all Toyota Prius Prime models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Cheapest Toyota Prius Prime Insurance
Getting lower rates on Toyota Prius Prime insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a recap of the primary concepts that were touched on in this article.
- You may be able to save up to $160 per year simply by shopping early and online
- High-risk drivers that have major violations or accidents pay on average $1,560 more every year to insure a Toyota Prius Prime
- Increasing physical damage deductibles could save as much as $550 each year
- Drivers under the age of 20 are expensive to insure, costing up to $411 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,936 |
| 20 | $3,076 |
| 30 | $1,394 |
| 40 | $1,336 |
| 50 | $1,220 |
| 60 | $1,198 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,696 |
| $250 | $1,528 |
| $500 | $1,336 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,336 |
| 50/100 | $1,413 |
| 100/300 | $1,509 |
| 250/500 | $1,758 |
| 100 CSL | $1,451 |
| 300 CSL | $1,662 |
| 500 CSL | $1,816 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,064 |
| 20 | $4,900 |
| 30 | $2,958 |
| 40 | $2,892 |
| 50 | $2,758 |
| 60 | $2,732 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $72 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $62 |
| Advance Quote | $67 |
| Online Quote | $96 |
| Total Discounts | $574 |
Discounts are estimated and may not be available from every company or in every state.
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