How much would car insurance cost for a Toyota Prius?

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Joel Ohman
Founder, CFP®

UPDATED: Dec 30, 2016

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Here's what you need to know...

  • 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

How much is Toyota Prius car insurance? Read on to learn all about auto insurance for the Toyota Prius and then be sure to enter your zip code in above for a free auto insurance comparison!

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.

Lower Insurance Rates for the Prius

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image source

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

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Features of the Prius that Drives the Cost of Insurance

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 airbags
  • Four-wheel ABS
  • Traction Control
  • Electronic Stability Control
  • Anti-theft system
  • Side impact door beams
  • Front and energy-absorbing crumple zones

Prius Insurance Shopping


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

Finding the Cheapest Toyota Prius Car Insurance Rates

insurance review of American Centennial

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!

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