Toyota Prius Prime Insurance Rates
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UPDATED: May 21, 2024
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Average auto insurance rates for a Toyota Prius Prime are $1,380 annually for full coverage. Comprehensive costs around $304, collision costs $564, and liability costs $376. Liability-only coverage costs as little as $426 a year, with high-risk coverage costing around $2,994. Teen drivers receive the highest rates at $5,080 a year or more.
Average premium for full coverage: $1,380
Rate estimates for individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all Prius Prime models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $426 for basic liability insurance to the much higher price of $2,994 for a policy for a high-risk driver.
Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples show why everyone should compare rates for a specific zip code and their own personal driving habits, instead of using price averages.
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.
Rate Comparisons
The chart below shows estimated Toyota Prius Prime insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $781
- Drivers who choose higher $1,000 deductibles will pay about $198 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,380
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,764
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,994 or more
- The cost with full coverage for a teen driver for full coverage can be $5,080 a year
Car insurance rates for a Toyota Prius Prime can also vary considerably based on the trim level of your Prius Prime, your driver profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. Toyota Prius Prime insurance for high-risk drivers can cost as much as 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $590 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Toyota Prius Prime insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,246 | -$134 | -9.7% |
| Alaska | $1,056 | -$324 | -23.5% |
| Arizona | $1,144 | -$236 | -17.1% |
| Arkansas | $1,380 | -$0 | 0.0% |
| California | $1,572 | $192 | 13.9% |
| Colorado | $1,318 | -$62 | -4.5% |
| Connecticut | $1,416 | $36 | 2.6% |
| Delaware | $1,560 | $180 | 13.0% |
| Florida | $1,724 | $344 | 24.9% |
| Georgia | $1,276 | -$104 | -7.5% |
| Hawaii | $992 | -$388 | -28.1% |
| Idaho | $934 | -$446 | -32.3% |
| Illinois | $1,026 | -$354 | -25.7% |
| Indiana | $1,040 | -$340 | -24.6% |
| Iowa | $930 | -$450 | -32.6% |
| Kansas | $1,310 | -$70 | -5.1% |
| Kentucky | $1,880 | $500 | 36.2% |
| Louisiana | $2,042 | $662 | 48.0% |
| Maine | $852 | -$528 | -38.3% |
| Maryland | $1,138 | -$242 | -17.5% |
| Massachusetts | $1,100 | -$280 | -20.3% |
| Michigan | $2,394 | $1,014 | 73.5% |
| Minnesota | $1,154 | -$226 | -16.4% |
| Mississippi | $1,652 | $272 | 19.7% |
| Missouri | $1,226 | -$154 | -11.2% |
| Montana | $1,480 | $100 | 7.2% |
| Nebraska | $1,086 | -$294 | -21.3% |
| Nevada | $1,654 | $274 | 19.9% |
| New Hampshire | $994 | -$386 | -28.0% |
| New Jersey | $1,542 | $162 | 11.7% |
| New Mexico | $1,220 | -$160 | -11.6% |
| New York | $1,452 | $72 | 5.2% |
| North Carolina | $794 | -$586 | -42.5% |
| North Dakota | $1,130 | -$250 | -18.1% |
| Ohio | $952 | -$428 | -31.0% |
| Oklahoma | $1,416 | $36 | 2.6% |
| Oregon | $1,264 | -$116 | -8.4% |
| Pennsylvania | $1,314 | -$66 | -4.8% |
| Rhode Island | $1,840 | $460 | 33.3% |
| South Carolina | $1,250 | -$130 | -9.4% |
| South Dakota | $1,164 | -$216 | -15.7% |
| Tennessee | $1,208 | -$172 | -12.5% |
| Texas | $1,662 | $282 | 20.4% |
| Utah | $1,020 | -$360 | -26.1% |
| Vermont | $942 | -$438 | -31.7% |
| Virginia | $826 | -$554 | -40.1% |
| Washington | $1,064 | -$316 | -22.9% |
| West Virginia | $1,264 | -$116 | -8.4% |
| Wisconsin | $952 | -$428 | -31.0% |
| Wyoming | $1,226 | -$154 | -11.2% |
With so much variability in rates, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, so rate quotes can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius Prime | $376 | $656 | $316 | $1,484 |
| 2023 Toyota Prius Prime | $358 | $630 | $332 | $1,456 |
| 2022 Toyota Prius Prime | $344 | $626 | $338 | $1,444 |
| 2021 Toyota Prius Prime | $332 | $610 | $354 | $1,432 |
| 2020 Toyota Prius Prime | $320 | $586 | $364 | $1,406 |
| 2019 Toyota Prius Prime | $304 | $564 | $376 | $1,380 |
| 2018 Toyota Prius Prime | $292 | $524 | $384 | $1,336 |
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 Buy the Best Toyota Prius Prime Insurance
Saving money on car insurance not only requires avoiding accidents and violations, but also having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to compare rates every year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The list below is a brief recap of the coverage data covered above.
- Drivers can save up to $170 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $575 each year
- Teenagers are the costliest to insure, costing as high as $423 per month if comprehensive and collision insurance is included
- Higher risk drivers who tend to receive serious violations pay an average of $1,610 more every year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,080 |
| 20 | $3,186 |
| 30 | $1,446 |
| 40 | $1,380 |
| 50 | $1,260 |
| 60 | $1,238 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,764 |
| $250 | $1,586 |
| $500 | $1,380 |
| $1,000 | $1,182 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,380 |
| 50/100 | $1,455 |
| 100/300 | $1,549 |
| 250/500 | $1,794 |
| 100 CSL | $1,493 |
| 300 CSL | $1,700 |
| 500 CSL | $1,850 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,272 |
| 20 | $5,076 |
| 30 | $3,064 |
| 40 | $2,994 |
| 50 | $2,856 |
| 60 | $2,830 |
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 | $75 |
| Multi-vehicle | $73 |
| Homeowner | $20 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $66 |
| Advance Quote | $70 |
| Online Quote | $100 |
| Total Discounts | $599 |
Discounts are estimated and may not be available from every company or in every state.
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