Best Toyota Prius Car Insurance Quotes (2024)
Average Toyota Prius car insurance rates costs $1,306 a year, or around $109 a month. Good drivers can save up to $538 a year on these prices by earning discounts.
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Shawn Laib
Insurance and Finance Writer
Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJ...
Insurance and Finance Writer
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- How much is full coverage on a Prius? Full coverage costs around $1,306 a year or $109 each month
- A liability-only policy costs around $524 a year or $44 each month
- Highest rates are for teenage drivers at around $4,773 a year or $398 each month
- Good drivers can save as much as $538 a year by earning policy discounts
- Toyota Prius insurance costs around $213 less per year than the average vehicle
Toyota Prius insurance rates are a good bit less than the average vehicle with full coverage costing around $1,306 a year or $109 a month. Drivers of an older Toyota Prius may opt for liability-only coverage which averages $524 a year or $44 a month.
Good drivers can save up to $538 a year in policy discounts by being safe and courteous on the roads. Let’s take a look at Toyota Prius insurance rates, safety ratings, and more.
You can start comparing quotes for Toyota Prius car insurance rates from some of the best car insurance companies by using our free online tool now.
What is the average insurance cost for a Toyota Prius?
The average Toyota Prius car insurance rates is $1,306 a year or $109 a month.
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Are Toyota Prius expensive to insure?
The chart below details how Toyota Prius insurance rates compare to other hybrid/electrics like the Chevrolet Volt, Ford Fusion Hybrid, and Ford C-Max Hybrid.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota Prius | $322 | $532 | $316 | $1,306 |
| Chevrolet Volt | $370 | $774 | $398 | $1,700 |
| Ford Fusion Hybrid | $322 | $656 | $466 | $1,644 |
| Ford C-Max Hybrid | $282 | $566 | $398 | $1,404 |
| Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| Buick LaCrosse | $320 | $566 | $338 | $1,360 |
| Chrysler Pacifica Hybrid | $370 | $656 | $338 | $1,500 |
However, there are a few things you can do to find the cheapest Toyota insurance rates online.
What impacts the cost of Toyota Prius insurance?
The Toyota Prius trim and model you choose will affect the total price you will pay for Toyota Prius insurance coverage.
Age of the Vehicle
Older Toyota Prius models generally cost less to insure. For example, car insurance for a 2020 Toyota Prius costs $1,306, while 2010 Toyota Prius insurance costs $1,046, a difference of $260.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Toyota Prius | $322 | $532 | $316 | $1,306 |
| 2019 Toyota Prius | $306 | $512 | $332 | $1,286 |
| 2018 Toyota Prius | $294 | $506 | $338 | $1,274 |
| 2017 Toyota Prius | $284 | $494 | $354 | $1,268 |
| 2016 Toyota Prius | $274 | $474 | $364 | $1,248 |
| 2015 Toyota Prius | $260 | $458 | $376 | $1,230 |
| 2014 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2013 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2012 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2011 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2010 Toyota Prius | $206 | $310 | $394 | $1,046 |
Driver Age
Driver age can have a significant impact on the cost of Toyota Prius auto insurance. For example, 20-year-old drivers pay approximately $1,598 each year for their Toyota Prius auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Toyota Prius insurance rates. For example, drivers in New York may pay $339 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on the cost of Toyota Prius car insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Prius car insurance with violations on their driving record.
Toyota Prius Safety Ratings
Your Toyota Prius auto insurance rates are tied to the Toyota Prius’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Acceptable |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Toyota Prius Crash Test Ratings
Not only do good Toyota Prius crash tests ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Toyota Prius auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Toyota Prius Prime 5 HB FWD | N/R | N/R | N/R | N/R |
| 2019 Toyota Prius PRIME 5 HB FWD | N/R | N/R | N/R | N/R |
| 2019 Toyota Prius C 5 HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2019 Toyota Prius 5 HB FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Prius 5 HB AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Prius PRIME 5 HB FWD | N/R | N/R | N/R | N/R |
| 2018 Toyota Prius C 5 HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2018 Toyota Prius 5 HB FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Prius V SW FWD | N/R | N/R | N/R | 4 stars |
| 2017 Toyota Prius Prime 5 HB FWD | N/R | N/R | N/R | N/R |
| 2017 Toyota Prius C 5 HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2017 Toyota Prius 5 HB FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Prius V SW FWD | N/R | N/R | N/R | 4 stars |
| 2016 Toyota Prius C 5 HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2016 Toyota Prius 5 HB FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Toyota Prius Safety Features
The more safety features you have on your Toyota Prius, the more likely it is that you can earn a discount. The Toyota Prius’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Lane Departure Warning
- Lane Keeping Assist
Toyota Prius Insurance Loss Probability
Insurance loss probability on the Toyota Prius fluctuates between each type of coverage. The lower percentage means lower Toyota Prius car insurance rates; higher percentages mean higher Toyota Prius auto insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | 13% |
|---|---|
| Property Damage | 0% |
| Comprehensive | -13% |
| Personal Injury | 20% |
| Medical Payment | 21% |
| Bodily Injury | 13% |
| Source: Insurance Institute for Highway Safety | |
Toyota Prius Finance and Insurance Cost
When financing a Toyota Prius, most lenders will require you to carry higher Toyota Prius coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Prius car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Toyota Prius Insurance
There are many ways that you can save on Toyota Prius car insurance. Below are five actions you can take to find cheap Toyota Prius auto insurance rates.
- Ask About Student Discounts
- Ask About Usage-Based Insurance for Your Toyota Prius
- Ask About Welcome Discounts
- Remove Young Drivers from Your Toyota Prius Insurance Plan
- Wait Six Years for Accidents to Disappear from Your Record
Top Toyota Prius Insurance Companies
Several top car insurance companies offer competitive rates for the Toyota Prius rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Toyota Prius drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
What is the average insurance cost for a Toyota Prius?
The average insurance cost for a Toyota Prius is $1,306 per year or $109 per month.
Are Toyota Prius expensive to insure?
Toyota Prius insurance rates are generally lower compared to other hybrid/electric vehicles. Here’s a comparison of insurance rates for the Toyota Prius and similar models:
| Vehicle | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| Toyota Prius | $322 | $532 | $316 | $1,306 |
| Chevrolet Volt | $370 | $774 | $398 | $1,700 |
| Ford Fusion Hybrid | $322 | $656 | $466 | $1,644 |
| Ford C-Max Hybrid | $282 | $566 | $398 | $1,404 |
| Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| Buick LaCrosse | $320 | $566 | $338 | $1,360 |
| Chrysler Pacifica Hybrid | $370 | $656 | $338 | $1,500 |
What impacts the cost of Toyota Prius insurance?
Several factors can affect the cost of Toyota Prius insurance, including:
- Age of the vehicle: Older Toyota Prius models generally have lower insurance costs.
- Driver age: Younger drivers may have higher insurance rates compared to older drivers.
- Driver location: Insurance rates can vary based on where you live.
- Your driving record: A clean driving record can lead to lower insurance premiums.
- Toyota Prius safety ratings: The safety ratings of the Prius can impact insurance rates.
How much is full coverage on a Prius?
Full coverage on a Toyota Prius costs around $1,306 per year or $109 per month. However, opting for a liability-only policy can lower the cost to approximately $524 per year or $44 per month.
What are some ways to save on Toyota Prius insurance?
Here are some ways to save on Toyota Prius insurance:
- Inquire about student discounts.
- Consider usage-based insurance options.
- Ask about welcome discounts.
- Remove young drivers from your insurance plan.
- Maintain a clean driving record.
- Wait for accidents to disappear from your record over time.
Which insurance companies offer the best rates for Toyota Prius?
Some top insurance companies that offer competitive rates for Toyota Prius insurance are:;
- State Farm
- GEICO,
- Progressive
- Liberty Mutual
- Allstate
- Travelers
- USAA
- Chubb
- Farmers
- Nationwide
It’s recommended to compare quotes from multiple insurers to find the best rate.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Shawn Laib
Insurance and Finance Writer
Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJ...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.