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Compare Cheap Toyota Prius Insurance Quotes

Average Toyota Prius car insurance rates cost $1,306 a year, or around $109 a month. Comprehensive, collision, and liability insurance cost around $318, $464, and $368, respectively. Good drivers can save up to $538 a year on these prices by earning discounts.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 23, 2020

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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.

Toyota Prius Insurance Cost

The average Toyota Prius car insurance rates are $1,306 a year or $109 a month.

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Are Toyota Priuss 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 are $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 test 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 your 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

Compare Free Toyota Prius Insurance Quotes Online

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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