Compare Toyota Prius Car Insurance Rates [2023]
Toyota Prius car insurance rates average $109/month. You'll find cheap Toyota Prius auto insurance rates because it's an IIHS Top Safety Pick and the Toyota Prius theft rate is low. Compare Toyota Prius insurance quotes online to save.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 11, 2023
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 11, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average Toyota Prius car insurance rates are $109/month
- Some insurance companies offer Prius owners a discount on their car insurance
- The Prius performs very well in crash tests
- It is equipped with several key safety features that will help keep insurance costs lower
- 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
How much is Toyota Prius car insurance? We’ll help you to learn all about auto insurance for the Toyota Prius and how to get cheap car insurance with great coverage.
Is the Toyota Prius cheap to insure? If you found yourself wondering about Toyota Prius car insurance rates, you aren’t alone. Collectively, drivers spend about $1,306 a year, or $109 each month for Toyota Prius insurance rates, which is $213 less per year than the average vehicle. We have prepared this easy-to-follow guide that details how Toyota Prius auto insurance rates are calculated so you know what to expect when comparing insurance companies.
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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Is the Toyota Prius expensive to Insure?
The chart below details how Toyota Prius insurance rates compare to other hybrid/electrics like the Lexus GS 450h, Chrysler Pacifica Hybrid, and Ford Fusion Energi.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota Prius | $322 | $532 | $316 | $1,306 |
| Lexus GS 450h | $394 | $774 | $398 | $1,724 |
| Chrysler Pacifica Hybrid | $370 | $656 | $338 | $1,500 |
| Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| Buick LaCrosse | $320 | $566 | $338 | $1,360 |
| Chevrolet Volt | $370 | $774 | $398 | $1,700 |
| Ford Fusion Hybrid | $322 | $656 | $466 | $1,644 |
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 effect on Toyota Prius car insurance rates. For example, 30-year-old drivers pay $57 more for Toyota Prius car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Toyota Prius insurance rates. For example, drivers in Los Angeles may pay $718 a year more than drivers in Phoenix.
Your Driving Record
Your driving history affects car insurance rates and the cost of Toyota Prius auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Toyota Prius car insurance with violations on their driving record.
Toyota Prius Safety Ratings
Your Toyota Prius car insurance rates are influenced by the safety ratings of the Toyota Prius. 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
Poor Toyota Prius crash test ratings could mean higher Toyota Prius car 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
The lower percentage means lower Toyota Prius car insurance costs; higher percentages mean higher Toyota Prius car insurance costs. Compare the following Toyota Prius auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| 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, most lenders will require your carry higher Toyota Prius coverages including comprehensive coverage, so be sure to compare Toyota Prius car insurance rates from the best companies using our FREE tool below.
How much is a Prius? That depends on the year and trim level. The question of how much does a Toyota Prius cost depends on many factors.
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Ways to Save on Toyota Prius Insurance
Save more on your Toyota Prius car insurance rates. Take a look at the following five strategies that will get you the best Toyota Prius quotes for auto insurance possible.
- Get Married and Ask for a Discount
- Ask About Student Discounts
- Reduce Modifications on Your Toyota Prius
- Never Drink and Drive Your Toyota Prius
- Spy on Your Teen Driver
Top Toyota Prius Insurance Companies
Who is the top car insurance company for Toyota auto insurance? 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 | |||
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When considering the purchase of a new car, an important thing to consider is the cost of insurance. Once the decision has been made to buy a Toyota Prius, a common question is the relationship of car insurance rates for hybrid cars.
Though each car insurance company is different, there are some trends in insurance rates for a Toyota Prius. There are also several other features that can earn big discounts on auto insurance rates.
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Does a hybrid car lower my car insurance rates?
Having a hybrid car can save more than gas and the environment. It can also translate to lower insurance rates. Travelers Insurance was the first company to offer a hybrid discount in 2006. Travelers will give a 10% discount to Prius owners in 40 states.
Do not be mistaken. The discount is not for “going green.”
Senior vice president of product management for Travelers, Greg Toczydlowski, said, “Our preliminary research indicates that hybrid owners tend to fall into the preferred insured category, and at Travelers, lower risk drivers are rewarded with lower premiums.”
Other insurance companies that do not offer to discount insurance cost for the Prius state that if you fall into the preferred driver category, you will get this discount anyway.
They do not want to give every hybrid driver a discount based on an assumption about their driving habits. Some companies that currently offer a discount in some states are:
- Travelers Insurance
- Farmers Insurance Group
- Geico
What features on a Prius make the car insurance costs go up?
The vehicle insured plays a big part in the cost of insurance. The cost to repair a hybrid car is currently more expensive than traditional gas models. However, the safety of the car also plays a large part in the cost of insurance.
The Prius fatality rate is 0.64 per 100 million miles. This is less than half of the NHTSA average.
The Prius was awarded the title of “Top Safety Pick” by the Insurance Institute for Highway Safety. This is the result of the Prius having the least injuries in front, rear, and side collisions.
There are many other standard features on the Prius that can garner a discount.
- Passenger, Driver, Side, and Rear head, and driver’s knee air bags
- Four-wheel ABS
- Traction Control
- Electronic Stability Control
- Anti-theft system
- Side-impact door beams
- Front and energy-absorbing crumple zones
The Toyota Prius theft rate is low, which lowers rates.
How do I find car insurance discounts for my Toyota Prius?
So many factors are part of an auto insurance rate that it is imperative to shop around to find the best Toyota car insurance premiums.
Driving record, age, and sex are just as important as the car. The number of miles driven as well as the city and parking conditions are also a major factor. Each company has different criteria for discounts and has different types of discounts available.
Here are some of the more common:
- Low Mileage
- A’s on a report card
- Added aftermarket safety features
- Taking a safe driver course
- Being in the Military
- Insuring Multiple Cars
- Automated Payments
- Club Memberships
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How do I find the cheapest Toyota Prius car insurance rates?
It may not be in your best interests to run to the company that offers a 10% hybrid discount. Insurance costs for your Prius could be lower with another company that offers other special discounts.
Shopping around is easy with our free tool. Also, ask for recommendations so that you are not stuck with a cheap policy with no service.
Enter your ZIP to start finding and comparing free Toyota Prius auto insurance quotes online now!
Frequently Asked Questions
How can I compare car insurance rates for a Toyota Prius?
To compare car insurance rates for a Toyota Prius, you can start by reaching out to different insurance companies directly and requesting quotes. Many insurance providers have online tools or dedicated phone lines where you can obtain quotes specific to the Toyota Prius. Additionally, you can use online comparison platforms that allow you to compare quotes from multiple insurers, making it easier to find the best rate for your Toyota Prius.
What factors affect car insurance rates for a Toyota Prius?
Car insurance rates for a Toyota Prius are influenced by various factors. Common factors include the model and year of the vehicle, your driving record, your age, gender, and marital status, your location, the coverage options you choose, and your deductible amount. Additionally, factors such as the safety features of the Toyota Prius, the cost of repairs, the likelihood of theft or accidents, and the frequency of insurance claims for this particular model can impact insurance rates.
Are car insurance rates higher for Toyota Prius compared to other car models?
Car insurance rates can vary depending on the specific make and model of the vehicle, as well as other factors. While the Toyota Prius is known for its fuel efficiency and eco-friendly features, insurance rates can still vary based on factors such as the cost of repairs, the likelihood of theft or accidents, and the frequency of insurance claims for this particular model. It’s recommended to compare rates from multiple insurers to get a better understanding of how Toyota Prius car insurance rates compare to other car models.
Are there any discounts available for Toyota Prius car insurance?
Yes, many insurance companies offer various discounts that can help you save on Toyota Prius car insurance. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, low-mileage discounts, and discounts for having safety features installed in your vehicle. It’s worth checking with insurance providers to see which discounts you may qualify for.
How can I lower my car insurance rates for my Toyota Prius?
There are several strategies you can consider to lower your car insurance rates for your Toyota Prius. Maintaining a clean driving record, opting for higher deductibles, bundling multiple policies with the same insurer, and taking advantage of available discounts are some effective methods. Additionally, the advanced safety features and eco-friendly nature of the Toyota Prius can help lower insurance rates.
Is it necessary to have full coverage car insurance for a Toyota Prius?
Whether you need full coverage car insurance for your Toyota Prius depends on various factors, including your personal circumstances and preferences. While liability insurance is typically required by law, full coverage, which includes comprehensive and collision coverage, is not mandatory. However, if your Toyota Prius is financed or leased, the lender or leasing company may require you to have full coverage until the loan or lease is paid off.
What should I do if I can’t afford car insurance for my Toyota Prius?
If you’re struggling to afford car insurance for your Toyota Prius, there are a few options you can explore. First, consider adjusting your coverage limits or deductibles to lower your premium. You can also shop around and compare quotes from different insurance companies to find more affordable options. Additionally, some states offer low-cost or subsidized insurance programs for individuals with limited incomes. Contact your state’s insurance department or a local insurance agent to inquire about such programs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
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.