Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 20, 2020

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Here's what you need to know...

  • 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
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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?

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
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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
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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

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
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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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Compare Free Toyota Prius Insurance Quotes Online

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

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 airbags
  • 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!

References:

  1. http://www.nhtsa.gov/About+NHTSA/Press+Releases/2015/2014-traffic-deaths-drop-but-2015-trending-higher
  2. http://www.iihs.org/iihs/ratings/vehicle/v/toyota/prius-4-door-hatchback/2016