Toyota Prius Auto Insurance [Guide + Free Quotes]

Toyota Prius auto insurance rates are around $109 a month, but your driving record and the age of your Prius will have an impact on the final price of your Toyota Prius auto insurance coverage. You can save money when you compare Toyota Prius insurance quotes online before deciding on a car insurance policy.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

Advertiser Disclosure

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 insurance industry 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.

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

Toyota Prius insurance rates are $44 per month for liability-only coverage and $109 per month for full coverage. Teen drivers could pay up to $400 per month for insurance. Continue reading to learn how you can save money on Toyota Prius insurance rates.

You can start comparing quotes for Toyota Prius 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 auto insurance costs are $1,306 a year or $109 a month.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Is Toyota Prius Expensive to Insure?

The chart below details how Toyota Prius insurance rates compare to other hybrid/electrics like the Ford Fusion Hybrid, Ford Fusion Energi, and Lexus GS 450h.

Vehicle Comprehensive Collision Liability Total
Toyota Prius $322 $532 $316 $1,306
Ford Fusion Hybrid $322 $656 $466 $1,644
Ford Fusion Energi $336 $626 $372 $1,492
Lexus GS 450h $394 $774 $398 $1,724
Chevrolet Volt $370 $774 $398 $1,700
Chrysler Pacifica Hybrid $370 $656 $338 $1,500
Buick LaCrosse $320 $566 $338 $1,360
Compare RatesStart Now →

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 insurance coverage.

Age of the Vehicle

Older Toyota Prius models generally cost less to insure. For example, auto insurance rates for a 2020 Toyota Prius are $1,306, while 2010 Toyota Prius rates 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
Compare RatesStart Now →

Driver Age

Driver age can have a significant effect on Toyota Prius insurance rates. 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 Toyota Prius insurance rates. For example, drivers in Jacksonville may pay $784 a year more than drivers in Indianapolis.

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 with violations on their driving record.

Toyota Prius Safety Ratings

Your Toyota Prius insurance rates are tied to 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
Compare RatesStart Now →

Toyota Prius Crash Test Ratings

The crash test ratings of the Toyota Prius can impact your Toyota Prius 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
Compare RatesStart Now →

Toyota Prius Safety Features

Most drivers don’t realize that not only do Toyota Prius safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Toyota Prius auto insurance rates. 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

Review the Toyota Prius auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. 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
Compare RatesStart Now →

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 insurance rates from the best companies using our FREE tool below.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

5 Ways to Save on Toyota Prius Insurance

If you want to reduce the cost of your Toyota Prius insurance rates, follow these tips below:

  • Take a Refresher Course as an Older Driver
  • Install an Aftermarket Anti-Theft Device for Your Toyota Prius
  • Buy Your Toyota Prius with Cash, or Get a Shorter-Term Loan
  • Move to an Area with Better Weather
  • Understand that Insurance Companies Can’t Change Your Toyota Prius Insurance Rates Mid-Term Based on Changes to Your Credit Score

Top Toyota Prius Insurance Companies

Who is the best 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 RatesStart Now →

Compare Free Toyota Prius Insurance Quotes Online

You can start comparing quotes for Toyota Prius insurance rates from some of the top auto insurance companies by using our free online tool today.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption