Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 18, 2020

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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

You can save up to $213 per year when you insure a Toyota Prius. Toyota Prius insurance rates are $109 per month for full coverage, $44 per month for liability-only coverage, and $398 per month teenage drivers. Continue reading through this guide to learn how you can save money on Toyota Prius insurance rates.

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

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Are Toyota Priuss Expensive to Insure?

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

Vehicle Comprehensive Collision Liability Total
Toyota Prius $322 $532 $316 $1,306
Ford C-Max Hybrid $282 $566 $398 $1,404
Ford Fusion Hybrid $322 $656 $466 $1,644
Honda Accord Hybrid $362 $718 $316 $1,532
Lexus GS 450h $394 $774 $398 $1,724
Hyundai Sonata Hybrid $322 $626 $420 $1,548
Chevrolet Volt $370 $774 $398 $1,700
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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 can impact the total price you will pay for Toyota Prius auto insurance coverage.

Age of the Vehicle

Older Toyota Prius models generally cost less to insure. For example, auto 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 auto 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 Los Angeles may pay $1,123 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 rates with violations on their driving record.

Toyota Prius Safety Ratings

Your Toyota Prius auto insurance rates are tied to 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

If the Toyota Prius crash test ratings are good, you could have lower Toyota Prius auto insurance rates. See Toyota Prius crash test results below:

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

Toyota Prius safety features can lower the cost of your insurance. The safety features for the 2020 Toyota Prius 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 auto insurance rates; higher percentages mean higher Toyota Prius auto insurance rates. The Toyota Prius’s insurance loss probability varies for each form of coverage.

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, you will pay more if you purchase Toyota Prius auto insurance at the dealership, so be sure to shop around and compare Toyota Prius auto insurance quotes from the best companies using our FREE tool below.

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5 Ways to Save on Toyota Prius Insurance

You can save more money on your Toyota Prius auto insurance rates by employing any of the following five strategies.

  • Ask for a Higher Deductible for Your Toyota Prius Insurance Policy
  • Renew Your Toyota Prius Insurance Coverage to Avoid Lapses
  • Pay Your Bills On Time — Especially Toyota Prius Payments and Insurance Rates
  • Buy An Older Toyota Prius
  • Take Public Transit Instead of Driving Your Toyota Prius

Top Toyota Prius Insurance Companies

Who is the top 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
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Compare Free Toyota Prius Insurance Quotes Online

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