Toyota Prius Prime Car Insurance Cost 2025
On average, insuring a Toyota Prius Prime costs around $1,238 per year. However, your actual rate may vary depending on factors like your age, the car’s model year, and other personal details. You can check the quote tables below to get a more accurate estimate tailored to your situation.
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If you’re considering buying a Toyota Prius Prime, it’s important to think about the cost of insurance. On average, insurance for a Toyota Prius Prime costs $1,238 per year. Insurance is a significant part of owning a car, so understanding the financial commitment before you decide is crucial.
Choosing the right car insurance helps you avoid unexpected and costly surprises later. Adequate coverage is essential to prevent large out-of-pocket expenses in case of an accident. Additionally, being at fault in an accident can lead to higher premiums.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving history, and location all significantly impact your insurance premiums.
How Much Does Toyota Prius Prime Car Insurance Cost?
Toyota Prius Prime owners generally pay about $1,238 per year for car insurance on average.
It’s important to understand that car insurance rates can vary widely based on several key factors. These include where you live, your driving record, the age of your vehicle, and the type of coverage you choose. Drivers with a clean record typically pay lower premiums, while those with accidents or traffic violations may see higher rates.
Living in a busy urban area can also increase your insurance costs compared to quieter rural regions. The kind of coverage you select matters as well—comprehensive coverage, which includes both collision and non-collision incidents, tends to be more expensive than basic liability coverage.
As shown in the table below, insuring a Toyota Prius Prime generally costs less than the average for all Toyota models and is even more affordable compared to the overall average for all cars. Insuranceopedia can help you compare quotes from various providers, making it easier to find the right policy at the best price.
| Vehicle | Average Monthly Premium |
| Toyota Prius Prime | $160 |
| All Toyotas | $163 |
| All Cars | $175 |
Average Insurance Cost Of Toyota Prius Prime By Model Year
| Model Year | Average Premium |
| 2024 Toyota Prius Prime | $1,950 |
| 2023 Toyota Prius Prime | $1,910 |
| 2022 Toyota Prius Prime | $1,277 |
| 2021 Toyota Prius Prime | $1,494 |
| 2020 Toyota Prius Prime | $1,188 |
| 2019 Toyota Prius Prime | $1,070 |
| 2018 Toyota Prius Prime | $906 |
| 2017 Toyota Prius Prime | $1,071 |
2024 Toyota Prius Prime Insurance Rates
The average annual insurance cost for a 2024 Toyota Prius Prime is $1,950. However, Mercury offers the cheapest rates, averaging $1,238 per year.
| Insurance Provider | Average Annual Cost |
| Esurance | $1,636 |
| Nationwide | $2,436 |
| Farmers | $2,150 |
| California Capital | $1,934 |
| Mercury | $1,238 |
| Unitrin | $1,665 |
| USAA | $1,429 |
| Alliance United | $2,430 |
| Bristol West | $2,448 |
| 21st Century | $2,136 |
2023 Toyota Prius Prime Insurance Rates
The average annual insurance cost for a 2023 Toyota Prius Prime is $1,910. However, National General offers the cheapest rates, averaging $724 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,647 |
| CSAA | $2,572 |
| 21st Century | $2,158 |
| Unitrin | $1,994 |
| National General | $724 |
| Esurance | $1,673 |
| Mercury | $1,554 |
| Farmers | $2,315 |
| Allstate | $2,345 |
| California Capital | $2,120 |
2022 Toyota Prius Prime Insurance Rates
The average annual insurance cost for a 2022 Toyota Prius Prime is $1,277. However, Safeco offers the cheapest rates, averaging $379 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $1,116 |
| USAA | $1,763 |
| Norfolk and Dedham Group | $1,567 |
| Plymouth Rock Assurance | $1,264 |
| Safeco | $379 |
| Virginia Farm Bureau | $1,217 |
| American National P | $718 |
| Penn National | $1,562 |
| Arbella Insurance Group | $1,668 |
| Erie | $1,517 |
2021 Toyota Prius Prime Insurance Rates
The average annual insurance cost for a 2021 Toyota Prius Prime is $1,494. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $1,127 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,224 |
| Norfolk and Dedham Group | $2,091 |
| Dairyland | $1,606 |
| American Independent Ins Co | $1,350 |
| Farm Bureau Mutual (IA Group) | $1,127 |
| Permanent General | $1,303 |
| Atlantic States Insurance | $1,197 |
| New Jersey Manufacturers | $1,585 |
| USAA | $2,009 |
| Plymouth Rock Assurance | $1,448 |
2020 Toyota Prius Prime Insurance Rates
The average annual insurance cost for a 2020 Toyota Prius Prime is $1,188. However, National General offers the cheapest rates, averaging $508 per year.
| Insurance Provider | Average Annual Cost |
| MMG Insurance Company | $1,156 |
| Capital Insurance Group | $1,516 |
| Mercury Insurance Company | $1,356 |
| New Jersey Manufacturers | $1,223 |
| National General | $508 |
| Auto-Owners Insurance Co | $1,179 |
| Texas Farm Bureau Group | $882 |
| Penn National | $1,372 |
| Shelter | $1,415 |
| Donegal Mutual Insurance Co | $1,273 |
2019 Toyota Prius Prime Insurance Rates
The average annual insurance cost for a 2019 Toyota Prius Prime is $1,070. However, Buckeye Insurance Group offers the cheapest rates, averaging $795 per year.
| Insurance Provider | Average Annual Cost |
| Frankenmuth Mutual | $982 |
| Ohio Mutual Ins Group | $1,191 |
| Auto-Owners Insurance Co | $1,136 |
| Capital Insurance Group | $1,104 |
| Buckeye Insurance Group | $795 |
| Hastings Mutual Insurance Co | $1,084 |
| PEMCO | $979 |
| Central Mutual Insurance Co | $1,142 |
| Erie | $1,188 |
| Grange Mutual | $1,096 |
2018 Toyota Prius Prime Insurance Rates
The average annual insurance cost for a 2018 Toyota Prius Prime is $906. However, American National P offers the cheapest rates, averaging $406 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $483 |
| Auto-Owners Insurance Co | $1,180 |
| Pekin Insurance | $1,143 |
| New Jersey Manufacturers | $1,068 |
| American National P | $456 |
| SECURA Insurance | $766 |
| Safeco | $493 |
| Norfolk and Dedham Group | $1,188 |
| Kentucky Farm Bureau | $1,148 |
| Farm Bureau Mutual (IA Group) | $1,134 |
2017 Toyota Prius Prime Insurance Rates
The average annual insurance cost for a 2017 Toyota Prius Prime is $1,071. However, Safeco offers the cheapest rates, averaging $317 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $879 |
| Safety Group | $1,526 |
| Texas Farm Bureau Group | $1,253 |
| Shelter | $1,215 |
| Safeco | $317 |
| SECURA Insurance | $989 |
| NatGen Custom 360 | $408 |
| Virginia Farm Bureau | $1,428 |
| Norfolk and Dedham Group | $1,444 |
| Farm Bureau Mutual (IA Group) | $1,246 |
Find Affordable Toyota Prius Prime Insurance Rates
Is A Toyota Prius Prime Expensive To Insure?
The cost to insure a Toyota Prius Prime is generally lower than the average for all vehicles. However, your actual premium will depend on several factors, including your age, the age of your car, your location, and other personal details.
Cost of Toyota Tundra Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums since they are statistically more likely to be involved in accidents. As drivers get older and gain more experience behind the wheel, their insurance rates typically go down due to a lower risk profile.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,002 | $11,732 | $13,729 |
| 18 | $7,422 | $10,966 | $12,763 |
| 19 | $6,592 | $9,646 | $11,298 |
| 20 | $5,726 | $8,440 | $9,882 |
| 21 | $4,831 | $7,054 | $8,255 |
| 22 | $4,724 | $6,845 | $8,064 |
| 23 | $4,116 | $5,986 | $7,030 |
| 24 | $3,882 | $5,687 | $6,728 |
| 25 | $3,361 | $4,957 | $5,805 |
| 30 | $2,584 | $3,875 | $4,534 |
| 35 | $2,444 | $3,595 | $4,213 |
| 40 | $2,360 | $3,470 | $4,072 |
| 45 | $2,274 | $3,406 | $3,985 |
| 55 | $2,130 | $3,098 | $3,599 |
| 65 | $2,182 | $3,235 | $3,762 |
| 75 | $2,787 | $4,042 | $4,790 |
Toyota Prius Prime Car Insurance Rates By State
Your location has a major impact on how insurance rates are determined. Each state sets its own auto insurance regulations—Michigan, for example, often has higher premiums due to stricter coverage requirements. Local climate also plays a role, with areas prone to severe weather like hurricanes or flooding typically seeing higher rates. Additionally, insurers factor in local statistics on crime, car theft, accidents, and fatalities. All of these elements influence the insurance cost for your Toyota Prius Prime.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,485 | $3,600 | $4,604 |
| Alaska | $2,097 | $2,850 | $2,799 |
| Arizona | $2,339 | $3,414 | $5,008 |
| Arkansas | $2,558 | $4,029 | $4,401 |
| California | $2,818 | $5,045 | $2,858 |
| Colorado | $2,650 | $3,741 | $4,705 |
| Connecticut | $3,431 | $5,258 | $6,696 |
| Delaware | $2,774 | $3,738 | $4,859 |
| Florida | $3,347 | $4,618 | $6,022 |
| Hawaii | $1,095 | $1,458 | $1,096 |
| Idaho | $1,933 | $2,538 | $3,069 |
| Illinois | $1,988 | $3,020 | $3,401 |
| Indiana | $2,037 | $3,138 | $3,503 |
| Iowa | $1,643 | $2,186 | $2,575 |
| Kansas | $2,151 | $3,108 | $3,658 |
| Kentucky | $3,087 | $4,551 | $5,343 |
| Louisiana | $3,984 | $6,017 | $6,565 |
| Maine | $1,515 | $2,036 | $3,084 |
| Maryland | $2,445 | $3,563 | $3,927 |
| Massachusetts | $1,952 | $3,426 | $1,994 |
| Michigan | $4,702 | $7,207 | $11,381 |
| Minnesota | $1,910 | $2,620 | $3,638 |
| Mississippi | $2,317 | $3,356 | $3,378 |
| Missouri | $2,184 | $3,178 | $4,186 |
| Montana | $2,275 | $3,149 | $3,684 |
| Nebraska | $1,917 | $2,843 | $3,031 |
| Nevada | $3,122 | $4,681 | $4,895 |
| New Hampshire | $2,176 | $3,454 | $4,348 |
| New Jersey | $2,386 | $3,780 | $4,945 |
| New Mexico | $2,472 | $3,631 | $3,755 |
| New York | $2,272 | $2,858 | $4,748 |
| North Carolina | $1,402 | $2,426 | $1,739 |
| North Dakota | $1,943 | $2,940 | $3,449 |
| Ohio | $1,700 | $2,675 | $2,698 |
| Oklahoma | $2,699 | $3,905 | $4,396 |
| Oregon | $2,508 | $3,343 | $4,008 |
| Pennsylvania | $2,146 | $3,080 | $3,643 |
| Rhode Island | $3,532 | $5,169 | $5,794 |
| South Carolina | $2,390 | $3,299 | $4,561 |
| South Dakota | $2,128 | $3,094 | $3,516 |
| Tennessee | $2,497 | $3,729 | $4,899 |
| Texas | $2,523 | $3,665 | $4,555 |
| Utah | $2,112 | $3,002 | $4,172 |
| Vermont | $1,676 | $2,552 | $2,662 |
| Virginia | $1,546 | $2,402 | $2,324 |
| Washington | $2,041 | $2,811 | $3,320 |
| West Virginia | $2,063 | $2,978 | $3,727 |
| Wisconsin | $2,072 | $3,259 | $3,653 |
| Wyoming | $1,921 | $2,710 | $2,929 |
| Georgia | $2,714 | $4,098 | $4,088 |
Find Affordable Toyota Prius Prime Insurance Rates
Cheapest Car Insurance Companies For A Toyota Prius Prime
If you’re in the market for a new car insurance policy for your Toyota Prius Prime, it’s helpful to know which companies offer the most affordable rates. MetroMile currently provides the lowest average premium at just $30 per month, making them the most budget-friendly option for Prius Prime drivers. Keep in mind, though, that actual rates can vary depending on your personal driving profile. The best way to find the most competitive rate is to compare quotes from multiple insurance providers.
| Company | Average Monthly Rate |
| MetroMile | $30 |
| NationalGeneral | $41 |
| Apparent | $43 |
| TwentyFirstCentury | $34 |
| Clearcover | $45 |
Common Toyota Prius Prime Insurance Discounts
Discounts are a smart way to reduce your car insurance premiums. While each insurer offers its own set of discounts, there are several common ones worth checking:
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Multi-policy discount: Bundling your auto and home insurance with the same provider can lead to significant savings.
-
Pay-in-full discount: Paying your premium in one lump sum instead of monthly installments often earns you a lower rate.
-
Defensive driving discount: Completing a certified defensive driving course may make you eligible for reduced rates.
Additional discounts may be available depending on your insurer. It’s a good idea to speak with your insurance agent to explore all the discounts you may qualify for.
Ways To Save On Toyota Prius Prime Insurance Costs
Keeping a clean driving record is one of the most effective ways to reduce your insurance costs. A single speeding ticket or at-fault accident can lead to higher premiums. On average, Toyota Prius Prime drivers with a ticket on their record pay about $56 per month, while those with multiple accidents see that rise to around $74 per month.
Another key factor is your annual mileage. Insurance companies typically offer lower rates to drivers who log fewer miles each year, since less time on the road generally means a lower risk of accidents. For example, Prius Prime owners who drive between 7,501 and 10,000 miles per year pay about $58 per month, while those who drive more than 10,000 miles pay slightly more—around $59 per month.
Compare Toyota Prius Prime To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota Mirai Car Insurance
- Toyota Prius C Car Insurance
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- Toyota Camry Car Insurance
- Toyota Corolla Car Insurance
- Toyota Highlander Car Insurance
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- Toyota Prius Car Insurance
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- Toyota Sequoia Car Insurance
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Our Methodology
To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from leading auto insurance providers. The sample profile used for this calculation was a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, these figures are based on a sample profile, and your actual insurance rates may differ depending on factors like your age, location, driving history, and other personal details.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Prius Prime?
Yes, before you can drive your Toyota Prius Prime out of the dealership, you’ll need to provide proof of insurance. The best approach is to purchase a car insurance policy in advance and notify your insurance company about the car purchase. This way, you can ensure that you’re properly insured from the moment you drive your new vehicle, rather than relying on the dealership’s insurance options.
How Can You Get The Cheapest Insurance For Your Toyota Prius Prime?
The best way to find the most affordable rates for your Toyota Prius Prime is to shop around and compare quotes from various auto insurance companies. Fortunately, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers right on our website.
