Toyota Prius Auto Insurance (2024)
The cost of Toyota Prius auto insurance rates are $1,306 a year, or around $109 a month on average. Teenager insurance coverage can cost on average $4,773 a year, so shop around to find cheap rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
On This Page
Key takeaways:
- 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
- Average Toyota Prius insurance costs around $213 less per year than the average vehicle
You can save up to $213 per year when you insure a Toyota Prius. Average Toyota Prius insurance cost are $109 per month for full coverage, $44 per month for liability-only coverage, and $398 per month teenage drivers. Continue reading through this guide to learn how you can save money on average Toyota Prius insurance cost.
You can start comparing quotes for Toyota Prius auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Toyota Prius Insurance Cost
The average Toyota Prius insurance cost are $1,306 a year or $109 a month.
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Are Toyota Priuss Expensive to Insure?
The chart below details how average Toyota Prius insurance cost compare to other hybrid/electrics like the Ford C-Max Hybrid, Ford Fusion Hybrid, and Honda Accord Hybrid.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota Prius | $322 | $532 | $316 | $1,306 |
| Ford C-Max Hybrid | $282 | $566 | $398 | $1,404 |
| Ford Fusion Hybrid | $322 | $656 | $466 | $1,644 |
| Honda Accord Hybrid | $362 | $718 | $316 | $1,532 |
| Lexus GS 450h | $394 | $774 | $398 | $1,724 |
| Hyundai Sonata Hybrid | $322 | $626 | $420 | $1,548 |
| Chevrolet Volt | $370 | $774 | $398 | $1,700 |
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 can impact the total price you will pay for Toyota Prius auto insurance coverage.
Age of the Vehicle
Older Toyota Prius models generally cost less to insure. For example, auto 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 effect on average Toyota Prius insurance cost. For example, 30-year-old drivers pay $57 more for Toyota Prius auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on average Toyota Prius insurance cost. For example, drivers in Los Angeles may pay $1,123 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the average Toyota Prius insurance cost. Teens and drivers in their 20’s see the highest jump in their Toyota Prius auto insurance rates with violations on their driving record.
Toyota Prius Safety Ratings
average Toyota Prius insurance cost 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
If the Toyota Prius crash test ratings are good, you could have lower Toyota Prius auto insurance rates. See Toyota Prius crash test results below:
| 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
Toyota Prius safety features can lower the cost of your insurance. The safety features for the 2020 Toyota Prius 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
The lower percentage means lower Toyota Prius auto insurance rates; higher percentages mean higher Toyota Prius auto insurance rates. The Toyota Prius’s insurance loss probability varies for each form of coverage.
| 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
If you are financing a Toyota Prius, you will pay more if you purchase Toyota Prius auto insurance at the dealership, so be sure to shop around and compare Toyota Prius auto insurance quotes from the best companies using our FREE tool below.
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5 Ways to Save on Toyota Prius Insurance
You can save more money on your Toyota Prius auto insurance rates by employing any of the following five strategies.
- Ask for a Higher Deductible for Your Toyota Prius Insurance Policy
- Renew Your Toyota Prius Insurance Coverage to Avoid Lapses
- Pay Your Bills On Time — Especially Toyota Prius Payments and Insurance Rates
- Buy An Older Toyota Prius
- Take Public Transit Instead of Driving Your Toyota Prius
Top Toyota Prius Insurance Companies
Who is the top auto insurance company for Toyota Prius insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota Prius auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Prius offers.
| 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
You can start comparing quotes for Toyota Prius auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What are some common coverage options for Toyota Prius auto insurance?
Six common coverage options for Toyota Prius auto insurance include:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Medical payments coverage
- Uninsured/underinsured motorist coverage
Are hybrid or electric vehicles, like the Toyota Prius, more expensive to insure?
Insuring hybrid or electric vehicles, such as the Toyota Prius, can sometimes be more expensive than insuring traditional gasoline-powered cars. This is because hybrid and electric vehicles may have higher repair or replacement costs due to specialized parts and technology. However, the cost difference may vary among insurance providers, so it’s important to shop around and compare quotes to find the best coverage and rates for your Toyota Prius.
Are there any specific discounts or benefits for insuring a Toyota Prius?
Some insurance companies offer specific discounts or benefits for insuring a Toyota Prius due to its hybrid technology and eco-friendly features. These four most common discounts can vary among insurance providers:
- Hybrid vehicle discount
- Low-mileage discount
- Green vehicle discount
- Safety feature discounts
Is it necessary to purchase comprehensive and collision coverage for a Toyota Prius?
Comprehensive and collision coverage are not legally required for any vehicle, including the Toyota Prius. However, it is generally recommended to consider these coverage options, especially if your Prius is new or valuable. Comprehensive coverage protects your Prius against non-collision-related damages, while collision coverage covers damages from accidents with other vehicles or objects. Assessing your personal circumstances and the value of your vehicle will help determine whether these coverage options are worth considering.
Can I transfer my current auto insurance to a new Toyota Prius?
Yes, you can typically transfer your current auto insurance policy to a new Toyota Prius. However, it’s important to inform your insurance provider about the change in your vehicle to ensure that you have the appropriate coverage. They may need to update the policy details, such as the vehicle identification number (VIN), make, and model of the car. It’s always a good idea to review your policy when switching vehicles to ensure you have the right coverage for your new Prius.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.