Toyota Prius Prime Insurance Rates
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UPDATED: May 21, 2024
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The average insurance rates for a Toyota Prius Prime are $1,380 a year with full coverage. Comprehensive costs approximately $304, collision costs $564, and liability is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing around $2,994. Teenage drivers cost the most to insure at $5,080 a year or more.
Average premium for full coverage: $1,380
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Prius Prime models.
Price Range Variability
For a 40-year-old driver, Toyota Prius Prime insurance rates go from the low end price of $426 for minimum levels of liability insurance to the much higher price of $2,994 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.
The example below illustrates how your location can change auto insurance prices.
The examples above demonstrate why everyone should get quotes using their specific location, instead of making a decision based on average rates.
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.
Additional Rate Details
The chart below details estimated Toyota Prius Prime insurance rates for additional coverage and risk scenarios.
- The best discount rate is $781
- Choosing higher $1,000 deductibles can save $198 annually
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,380
- Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,764
- Higher-risk drivers who are prone to accidents and violations could pay around $2,994 or more
- Policy cost that insures a 16-year-old driver for full coverage can cost $5,080 each year
Insurance rates for a Toyota Prius Prime also range considerably based on the model of your Prius Prime, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 additional every year, depending on your age. Toyota Prius Prime insurance for high-risk drivers ranges from 43% to 129% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age
Your home state plays a big part in determining prices for Toyota Prius Prime insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can save as much as $590 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied.
| 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 Find Affordable Toyota Prius Prime Insurance
Finding cheaper rates on insurance for a Toyota Prius Prime takes being a good driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices at every policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.
The following list is a brief review of the data illustrated above.
- Insureds who purchase an increased level of liability coverage will pay an extra $410 every year to raise limits from a 30/60 limit to the 250/500 level
- You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $575 each year
- Drivers age 16 to 20 are the costliest to insure, as much as $423 each month if comprehensive and collision insurance is included
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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