Online Toyota Prius Insurance Rates [How to Find Low Rates Online]

If you want to buy cheap Toyota Prius insurance coverage then you should know that a policy will cost $109 per month ($1,306 per year) on average. Mature drivers with good driving records may find rates as low as $768 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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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
  • Toyota Prius insurance costs around $213 less per year than the average vehicle

There’s no need to stress about Toyota Prius insurance rates. Toyota Prius insurance costs around $213 less per year than the average vehicle. Our guide goes over insurance rates for a Toyota Prius so that drivers can find savings. Learn 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 does Toyota Prius insurance cost?

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

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Are Toyota Priuses Expensive to Insure?

The chart below details how Toyota Prius insurance rates compare to other hybrid/electrics like the Chevrolet Volt, Ford Fusion Energi, and Honda Accord Hybrid.

Vehicle Comprehensive Collision Liability Total
Toyota Prius $322 $532 $316 $1,306
Chevrolet Volt $370 $774 $398 $1,700
Ford Fusion Energi $336 $626 $372 $1,492
Honda Accord Hybrid $362 $718 $316 $1,532
Lexus GS 450h $394 $774 $398 $1,724
Buick LaCrosse $320 $566 $338 $1,360
Ford C-Max Hybrid $282 $566 $398 $1,404
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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?

Even though the average annual rate for the Toyota Prius is $1,306, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Toyota Prius.

Age of the Vehicle

Older Toyota Prius hybrid 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
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Driver Age

Driver age can have a significant effect on the cost of Toyota Prius car insurance. For example, a 20-year-old driver could pay around $133 more each month for their Toyota Prius car insurance than a 30-year-old driver.

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 record can have an impact on the cost of Toyota Prius auto insurance. 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

Your Toyota Prius auto insurance rates are influenced by 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
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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
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Toyota Prius Safety Features

Having a variety of safety features on your Toyota Prius hybrid can help lower your insurance costs. The 2020 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 Toyota Prius’s insurance loss probability varies between different coverage types. The lower percentage means lower Toyota Prius auto insurance costs; higher percentages mean higher Toyota Prius auto insurance costs.

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
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What can you expect Toyota Prius finance and insurance costs to be like?

If you are financing a Toyota Prius, you will pay more if you purchase Toyota Prius car insurance at the dealer, so be sure to shop around and compare Toyota Prius car insurance quotes from the best companies using our FREE tool below.

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What ways can you save on Toyota Prius insurance?

You have more options at your disposal to save money on your Toyota Prius car insurance costs. For example, try these five tips:

  • Remove Young Drivers from Your Toyota Prius Insurance When They Move Out or Go to School
  • Don’t Assume your Toyota Prius is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Ask About Farm and Ranch Vehicle Discounts
  • Pay Your Bills On Time Especially Toyota Prius Payments to the dealer and your Insurance
  • Install an Aftermarket Anti-Theft Device for Your Toyota Prius

What are the top Toyota Prius insurance companies?

Who is the best 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 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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Start comparing Toyota Prius auto insurance quotes for free by using our FREE online comparison tool.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
4
4
5
5
2014
5
4
5
5
2013
5
4
5
5
2012
3
3
3
3
2011
5
4
5
5

Crash Avoidence Features

Forward Collision Warning

Optional

Forward Collision Auto Brake

Optional

Lane Departure Warning

Optional

Land Departure Prevention

Optional

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