Toyota Prius Prime Insurance Rates

The average insurance rates for a Toyota Prius Prime are $1,380 a year for full coverage. Comprehensive insurance costs around $304 each year, collision insurance costs $564, and liability insurance costs around $376. A liability-only policy costs as low as $426 a year, and high-risk insurance costs $2,994 or more. Teen drivers cost the most to insure at up to $5,080 a year.

Average premium for full coverage: $1,380

Policy rates for type of insurance:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Prius Prime models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.

The examples above show why all drivers should compare prices for a specific zip code, rather than relying on price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below shows average Toyota Prius Prime insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $781
• Using higher $1,000 deductibles will save about $198 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,380
• Choosing low deductibles for physical damage coverage will cost an additional $384 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,994
• Policy cost that insures a teen driver can be $5,080 or more

View Chart as Image

Car insurance rates for a Toyota Prius Prime also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $5,000 a year. View Rates by Age

Your home state has a huge impact on Toyota Prius Prime insurance rates. A driver around age 40 might see rates 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.

View Chart as Image

Choosing high deductibles could cut rates by as much as $590 each year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheaper Toyota Prius Prime Insurance

Finding cheaper rates on Toyota Prius Prime insurance requires having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around every other policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following items are a condensed summary of the ideas that were touched on in this article.

• 16 to 18-year-old drivers are the costliest to insure, costing up to $423 each month if full coverage is purchased
• High-risk drivers with multiple at-fault accidents pay on average $1,610 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Drivers can save up to $170 per year just by quoting online in advance