Best Toyota Prius Auto Insurance in 2025 (Top 10 Companies Ranked)

The top pick for the best Toyota Prius auto insurance is Allstate, known for its competitive rates starting at $87 per month. AAA and USAA also offer excellent coverage options at affordable prices, making them top choices for Prius owners.

Factors such as vehicle age, driver location, and safety features significantly influence insurance costs, with older models and advanced safety features often lowering premiums. Allstate stands out not only for its low rates but also for its comprehensive coverage and customer service. Learn more information on the best auto insurance by age.

Our Top 10 Company Picks: Best Toyota Prius Auto Insurance

Ensure you review all available discounts to maximize your savings. Start saving on your auto insurance by entering your ZIP code above and comparing quotes.

#1 – Allstate: Top Overall Pick

Pros

• Best Add-on Coverages: Allstate is renowned for offering extensive add-on coverage options for Toyota Prius auto insurance.
• Competitive Rates: Allstate provides competitive monthly rates, with minimum coverage available at $90 for the best Toyota Prius auto insurance. Find more information about Allstate’s rates in our review of Allstate insurance.
• Strong Financial Stability: With an A+ rating from A.M. Best, Allstate ensures reliable financial stability for Toyota Prius auto insurance policyholders.

Cons

• Higher Premiums: Despite robust coverage options, Allstate’s premiums can be relatively higher compared to some competitors for Toyota Prius auto insurance.
• Limited Multi-Vehicle Discount: The multi-vehicle discount from Allstate may not be as significant as offered by other insurers for Toyota Prius auto insurance owners.

#2 – AAA: Best for Online App

Pros

• Best Online App: AAA excels in providing a user-friendly online app for managing Toyota Prius auto insurance policies.
• Attractive Discounts: Offers an 18% multi-vehicle discount, which is beneficial for Toyota Prius owners with multiple cars.
• Solid A Rating: AAA holds an A rating from A.M. Best for Toyota Prius auto insurance, reflecting strong financial stability. Learn more about this provider in our review of AAA insurance.

Cons

• Higher Minimum Coverage Rates: AAA’s minimum coverage rates might be higher compared to other options for Toyota Prius auto insurance, with costs starting at $95.
• Limited Customization: AAA may offer fewer customizable coverage options compared to competitors for Toyota Prius auto insurance.

#3 – USAA: Best for Military Savings

Pros

• Best Military Savings: USAA is highly recommended for military families, offering exceptional savings on Toyota Prius auto insurance.
• Low Rates: USAA provides highly competitive rates, with minimum coverage available starting at $80 for Toyota Prius auto insurance. See how USAA’s rates compare to other insurance providers in our USAA auto insurance review.
• Excellent Financial Strength: USAA holds an A++ rating from A.M. Best for Toyota Prius auto insurance, indicating superior financial strength.

Cons

• Eligibility Restrictions: USAA’s services are only available to military members and their families, limiting access for non-military Toyota Prius auto insurance owners.
• Limited Physical Locations: USAA’s reliance on online and phone support might be a drawback for those preferring in-person interactions for Toyota Prius auto insurance policyholders.

#4 – Geico: Best for Custom Plan

Pros

• Best Custom Plan: Geico is known for providing customizable plans for Toyota Prius auto insurance, allowing for tailored coverage.
• Affordable Rates: Geico offers some of the lowest rates, with minimum coverage available at $85 for the Toyota Prius auto insurance. Learn more about Geico’s rates in our Geico auto insurance company review. 
• Strong A++ Rating: Geico boasts an A++ rating from A.M. Best for Toyota Prius auto insurance, ensuring robust financial stability.

Cons

• Less Personalized Service: Geico’s customer service might be less personalized compared to companies with local agents for Toyota Prius auto insurance.
• Potential for Upcharges: Customizing coverage options could lead to additional costs, potentially impacting overall affordability for Toyota Prius auto insurance owners.

#5 – Nationwide: Best for Usage Discount

Pros

• Best Usage Discount: Nationwide offers attractive usage-based discounts for Toyota Prius auto insurance, rewarding low-mileage drivers.
• Competitive Discounts: Provides a 15% multi-vehicle discount, benefiting Toyota Prius auto insurance owners with multiple cars. Find out if Nationwide might have the lowest rates for you in our Nationwide auto insurance review.
• Solid Financial Rating: Nationwide has an A+ rating from A.M. Best for Toyota Prius auto insurance, reflecting strong financial stability.

Cons

• Higher Minimum Coverage Rates: Nationwide’s minimum coverage rates might be slightly higher compared to other insurers for Toyota Prius auto insurance, starting at $90.
• Limited Coverage Options: Some Toyota Prius auto insurance owners might find fewer coverage options compared to competitors.

#6 – State Farm: Best for Many Discounts

Pros

• Best Many Discounts: State Farm offers a variety of discounts for Toyota Prius auto insurance, making it a top choice for savings.
• Competitive Monthly Rates: Provides competitive monthly rates starting at $85 for minimum coverage for Toyota Prius auto insurance.
• Comprehensive Coverage Options: State Farm delivers comprehensive coverage options suitable for Toyota Prius auto insurance owners. See the reviews and rankings in our full State Farm Auto Insurance Review

Cons

• Limited Multi-Policy Discount: The multi-policy discount from State Farm might be less significant compared to other providers for Toyota Prius auto insurance.
• Potential Higher Premiums: Despite discounts, Toyota Prius auto insurance premiums could still be higher for certain coverage levels.

#7 – Farmers: Best for Local Agents

Pros

• Best Local Agents: Farmers provides personalized service through local agents, which can be advantageous for Toyota Prius auto insurance owners seeking face-to-face interactions.
• Competitive Discounts: Offers a 11% multi-vehicle discount, which benefits Toyota Prius auto insurance owners with multiple vehicles.
• Strong Financial Rating: Farmers holds an A rating from A.M. Best, ensuring financial reliability for Toyota Prius auto insurance policyholders. Take a look at our Farmers insurance company review to learn more. 

Cons

• Higher Rates: Farmers’ rates might be slightly higher compared to other insurers for Toyota Prius auto insurance, with minimum coverage costs starting at $90.
• Fewer Digital Tools: Farmers may have fewer online tools compared to competitors, which could be a drawback for tech-savvy Toyota Prius auto insurance owners.

#8 – Liberty Mutual: Best for Customizable Policies

Pros

• Best Customizable Policies: Liberty Mutual is known for offering highly customizable policies for Toyota Prius auto insurance. To see monthly premiums and honest rankings, read our Liberty Mutual review.
• Competitive Discounts: Provides a 17% multi-vehicle discount, benefiting Toyota Prius auto insurance owners with multiple cars.
• Solid Financial Rating: Liberty Mutual has an A rating from A.M. Best for Toyota Prius auto insurance, reflecting strong financial health.

Cons

• Higher Minimum Coverage Rates: Minimum coverage rates might be higher compared to other options, starting at $95 for Toyota Prius auto insurance.
• Complex Policy Options: The extensive customization options might be overwhelming for some Toyota Prius auto insurance owners.

#9 – Progressive: Best for Online Convenience

Pros

• Best Online Convenience: Progressive excels in online tools and convenience for managing Toyota Prius auto insurance.
• Affordable Rates: Offers competitive rates starting at $85 for minimum coverage for Toyota Prius auto insurance.
• Strong Financial Rating: Holds an A+ rating from A.M. Best for Toyota Prius auto insurance, indicating robust financial stability. Our complete Progressive review goes over this in more detail.

Cons

• Limited Local Agent Interaction: Progressive’s focus on online services for Toyota Prius auto insurance may be a disadvantage for those preferring in-person interactions.
• Potential for Additional Fees: Some Toyota Prius auto insurance owners might encounter additional fees with certain policy customizations.

#10 – Travelers: Best for Accident Forgiveness

Pros

• Best Accident Forgiveness: Travelers offers accident forgiveness benefits for Toyota Prius auto insurance, which can help protect your driving record.
• Competitive Discounts: Provides a 16% multi-vehicle discount, beneficial for Toyota Prius owners with multiple cars. Read our full review of Travelers insurance for more information.
• Strong Financial Rating: Travelers holds an A++ rating from A.M. Best for Toyota Prius auto insurance, ensuring excellent financial stability.

Cons

• Higher Rates: Travelers’ Toyota Prius auto insurance minimum coverage rates might be higher compared to some competitors, starting at $95 for the Toyota Prius.
• Limited Discounts: The range of discounts might be narrower compared to other insurers, potentially affecting savings for Toyota Prius auto insurance owners.

Toyota Prius Monthly Auto Insurance Cost

Are Prius expensive to insure? When comparing auto insurance monthly rates for a Toyota Prius, it’s important to consider both the minimum coverage and full coverage options offered by various providers. The rates can vary significantly between companies.

For minimum coverage, Geico offers the most affordable rate at $44, followed by Allstate at $54 and AAA and Travelers both at $63. On the higher end, Liberty Mutual charges $104, which is the most expensive for minimum coverage.

Toyota Prius Auto Insurance Monthly Rates by Coverage Level & Provider

For full coverage auto insurance, Geico again provides the lowest rate at $138, with Allstate following at $157 and Travelers at $187. Liberty Mutual stands out with the highest full coverage rate at $329, which is considerably higher than the other providers. Other notable rates include Farmers at $212, Nationwide at $218, and Progressive at $241.

Overall, Geico presents the most cost-effective options for both minimum and full coverage. Liberty Mutual, on the other hand, has the highest rates across the board. These variations highlight the importance of shopping around and comparing different providers to find the best insurance for Toyota Prius.

How Insurance Costs Compare for the Toyota Prius

When considering the monthly auto insurance rates for hybrid cars, it’s evident that costs can vary significantly based on the type of auto insurance coverage and the model of the vehicle. For comprehensive coverage, the rates range from $24 for the Ford C-Max Hybrid to $33 for the Lexus GS 450h, indicating that more luxurious models generally incur higher costs.

Auto Insurance Monthly Rates for Hybrid Cars by Coverage Type

Collision coverage sees the Ford C-Max Hybrid again at the lower end with $47, while the Lexus GS 450h and Chevrolet Volt are at the higher end with $65. Minimum coverage rates are relatively consistent, with the Toyota Prius and Honda Accord Hybrid both at $26, whereas models like the Ford C-Max Hybrid, Lexus GS 450h, and Chevrolet Volt are slightly higher at $33.

Full coverage, which combines both comprehensive and collision along with other coverages, shows a wider spread. The Toyota Prius has the lowest rate at $109, while the Lexus GS 450h has the highest at $144, highlighting the impact of vehicle value and repair costs on insurance premiums.

In summary, the monthly insurance rates for hybrid cars vary depending on the model and the type of coverage chosen, with luxury models generally commanding higher premiums. This information can help prospective buyers and current owners of hybrid vehicles make informed decisions regarding their insurance options.

Factors Affecting the Cost of Toyota Prius Auto Insurance

The auto insurance cost for Prius can be affected by several factors. This includes age of the vehicle, driver’s age, location, and driving record. Learn more information as we delve on each factor.

Age of the Vehicle

The table shows monthly insurance premiums for Toyota Prius models from 2015 to 2024. Premiums include comprehensive, collision auto insurance, minimum coverage, and full coverage. For the 2024 model, comprehensive costs $30, collision $50, minimum coverage $27, and full coverage $120. As the models get older, premiums generally decrease.

Toyota Prius Auto Insurance Monthly Rates by Model Year & Coverage Type

By 2020, comprehensive is $27, collision $44, minimum coverage $26, and full coverage $109. The 2015 model has the lowest premiums, with comprehensive at $22, collision $38, minimum coverage $31, and full coverage $103. This trend indicates that insurance costs decline with the vehicle’s age.

Driver Age

Auto insurance rates for the Toyota Prius vary significantly by age, reflecting the influence of age-related risk factors on insurance premiums. For younger drivers, the costs are notably higher due to their perceived risk and inexperience on the road. At age 16, the monthly rate peaks at $398, slightly decreasing to $359 by age 18. Delve more information on the auto insurance rates by age.

Toyota Prius Auto Insurance Monthly Rates by Age

As drivers gain more experience, the rates continue to drop, with 20-year-olds paying $247 monthly. Once drivers reach 30, the rate significantly decreases to $114, showing a substantial reduction as the drivers enter a more stable age group. This trend of decreasing premiums continues, with 40-year-olds paying $109, and by age 45, the monthly rate is $104.

The lowest rates are seen among older drivers, with those at age 50 paying $99 and at age 60, the rate further declines to $97. These figures illustrate how auto insurance rates for the Toyota Prius are heavily influenced by the driver’s age, highlighting the correlation between age, driving experience, and risk assessment by insurers.

Driver Location

The cost of auto insurance for Toyota Prius varies significantly across different cities in the United States. In Los Angeles, California, the monthly rate is the highest at $186, reflecting perhaps the city’s higher traffic density and accident rates. New York, NY follows closely with a rate of $172, likely due to similar urban challenges and higher costs of living.

Houston, TX, and Jacksonville, FL, have monthly rates of $171 and $158, respectively, suggesting that insurance costs in these cities are also influenced by local factors such as traffic conditions and regional insurance regulations.

Toyota Prius Auto Insurance Monthly Rates by City

Philadelphia, PA, and Chicago, IL, offer slightly more affordable rates at $146 and $144, respectively, while Phoenix, AZ, presents a moderate rate of $126. Moving towards the more economical end of the spectrum, Seattle, WA, stands at $106, Indianapolis, IN, at $93, and Columbus, OH, at $90, reflecting perhaps lower risks and more favorable insurance environments in these cities.

In summary, Toyota Prius auto insurance rates exhibit considerable variation by city, driven by factors like local traffic conditions, regulatory environments, and risk assessments.

Your Driving Record

The cost of auto insurance for a Toyota Prius varies significantly based on the driver’s age and driving record. Young drivers face the highest premiums, with 16-year-olds paying $398 per month with a clean record, which rises to $475 with a DUI. By the age of 18, rates decrease slightly to $359 with a clean record, increasing to $435 with a DUI.

As drivers age, the cost continues to decline; 20-year-olds pay $247 with a clean record, while those with a DUI pay $315. The rates drop more noticeably for adults: a 30-year-old with a clean record pays $114, compared to $150 with a DUI. By age 40, these rates further decrease to $109 and $142, respectively. For individuals aged 45, the clean record rate is $104, climbing to $137 with a DUI.

Toyota Prius Auto Insurance Monthly Rates by Age & Driving Record

The trend continues for 50-year-olds, who pay $99 with a clean record and $130 with a DUI. Finally, drivers aged 60 enjoy the lowest rates, paying $97 with a clean record and $125 with a DUI.

In summary, insurance premiums for the Toyota Prius decrease with age but are significantly impacted by the driver’s record, with infractions such as tickets, accidents, and DUIs leading to higher costs across all age groups.

Toyota Prius Safety Features

The Toyota Prius is equipped with a comprehensive suite of safety features designed to protect occupants and enhance driving stability.

Toyota Prius Safety Features

Toyota Prius’ array of safety features works together to provide a safer driving experience by protecting occupants and enhancing vehicle control under various conditions. Obtain more knowledge on “How to Get an Anti-Lock Brakes Auto Insurance Discount.”

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’ insurance loss probability varies for each form of coverage.

Toyota Prius Auto Insurance Loss Probability

The Toyota Prius has varying probabilities for different types of auto insurance losses. Collision coverage has a 13% probability of loss, while property damage stands at 0%.

Comprehensive auto insurance coverage shows a -13% probability, indicating a lower likelihood of loss. Personal injury and medical payment coverages have higher probabilities at 20% and 21%, respectively.

Lastly, bodily injury coverage also has a 13% probability. These figures highlight the varying risks associated with insuring a Toyota Prius.

Ways to Save on Toyota Prius Insurance

You can save more money on your Toyota Prius auto insurance rates by employing several strategies. First, consider asking for a higher deductible for your Toyota Prius insurance policy. This can lower your monthly premiums, although it means you’ll pay more out of pocket if you need to file a claim.

Additionally, make sure to renew your Toyota Prius insurance coverage to avoid any lapses, as continuous coverage can often result in better rates. Paying your bills on time, particularly your Toyota Prius payments and insurance rates, can also positively impact your insurance costs, as timely payments often lead to auto insurance discounts and a better credit score.

Another way to save is by purchasing an older Toyota Prius, as older models typically cost less to insure than newer ones. Finally, taking public transit instead of driving your Toyota Prius can reduce your mileage, which can lower your insurance premiums since insurers often offer lower rates for vehicles that are driven less frequently.

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).

Top 10 Toyota Prius Auto Insurance Providers by Market Share

Many of these companies offer discounts for security systems and other safety features that the Toyota Prius offers.

How to Obtain an Online Quote for Toyota Prius Auto Insurance

Getting a free online auto insurance quote for Toyota Prius auto insurance is a straightforward process that can help you find the best coverage at the most competitive rates. Start by visiting the websites of reputable insurance companies and look for their quote tools, typically found on the homepage or under the auto insurance section.

You’ll need to provide essential information such as your ZIP code, vehicle details, and personal driving history. Some platforms may also ask for additional details like your credit score, current insurance status, and any safety features your Prius has. Once you’ve entered the required information, the quote tool will generate a range of estimates from different providers.

This comparison allows you to see how various factors affect your premiums and helps you identify potential discounts and savings. Reviewing these quotes side-by-side can make it easier to choose the best policy for your needs.

Always remember to read the terms and conditions of each quote to ensure that you’re getting the coverage you need. By taking the time to compare online quotes, you can make an informed decision and secure the best auto insurance for your Toyota Prius, ensuring peace of mind on the road.

Case Studies: Toyota Prius Auto Insurance

Examining real-world case studies can provide valuable insights into how different factors impact Toyota Prius insurance costs. These examples illustrate how various elements, such as location and driving history, can affect premiums for Prius owners.

• Case Study #1 – Young Driver in Los Angeles: A 17-year-old driver in Los Angeles pays an average of $450 per month for full coverage on a Toyota Prius, reflecting the high-risk profile and urban density of the city. The high auto insurance premium is primarily due to the driver’s age and the area’s high traffic conditions.
• Case Study #2 – Experienced Driver in Indianapolis: A 45-year-old driver with a clean record in Indianapolis enjoys a monthly insurance rate of $105 for comprehensive coverage. The lower premium is attributed to the driver’s age and the city’s relatively low traffic and accident rates.
• Case Study #3 – New Prius Owner in New York City: A new Toyota Prius owner in New York City faces a monthly insurance cost of $180 for minimum coverage, influenced by the city’s high cost of living and dense traffic. Despite the higher rates, the owner benefits from the Prius’s advanced safety features.
• Case Study #4 – Military Member in San Diego: A USAA member residing in San Diego pays $120 per month for full coverage on their Toyota Prius. The lower rate is due to the discounts provided by USAA and the city’s favorable driving conditions.
• Case Study #5 – Senior Driver in Seattle: A 60-year-old driver in Seattle pays $95 per month for comprehensive coverage on a Toyota Prius. The reduced rate reflects the driver’s age and Seattle’s lower overall insurance costs compared to larger metropolitan areas.

In summary, these case studies highlight how location, age, and driving history significantly impact Toyota Prius insurance premiums. Whether you’re a young driver in a bustling city or a seasoned driver in a quieter area, understanding these factors can help you better manage your insurance costs.

Always consider these variables when comparing quotes to find the best insurance rates for your specific situation.

Conclusion: Navigating Toyota Prius Insurance Costs

Understanding the factors that affect auto insurance rates of Toyota Prius insurance costs is crucial for finding the best coverage at the most affordable rate. From the driver’s age and location to the vehicle’s model year and safety features, each element plays a role in determining your premium. By examining real-world case studies, you can gain insights into how these factors affect different individuals.

Remember, insurance rates vary significantly between providers, so it’s essential to compare quotes and explore discounts to maximize savings. Staying informed and proactive in your insurance shopping will help you secure the best possible coverage for your Toyota Prius. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.