The annual cost of full coverage insurance for a Toyota Prius ranges from $1,031 to $5,961. Rates vary based on the model year, age, location, driving history, coverage level and insurer. This MoneyGeek article explores Toyota Prius insurance costs, highlighting the best and most affordable options.
Toyota Prius Insurance Cost
Key Takeaways
State Farm has the lowest annual minimum coverage rate of $475 across Toyota Prius model years.
For a Toyota Prius, the average annual cost is $591 for minimum coverage and $1,363 for full coverage.
MoneyGeek's analysis, which included data from 4,183 quotes from Quadrant Information Services, ensures reliable information to guide your insurance decisions.
Toyota Prius Insurance Rates
What Is the Average Toyota Prius Car Insurance Cost?
Toyota Prius full coverage insurance averages $114 monthly or $1,363 yearly, based on a 40-year-old male driver with a clean record. Minimum coverage costs about $49 monthly or $591 yearly.
| Minimum Coverage | $591 |
| Full Coverage | $1,363 |
Toyota Prius Insurance Costs by Company
Toyota Prius insurance costs range from $1,066 to $1,911 per year, depending on age, model year and coverage level. The table below compares average Toyota Prius insurance rates with averages for all vehicles from several national and midsize providers.
| Allstate | $1,575 | $1,812 | -13% |
| Auto-Owners | $1,173 | $1,227 | -4% |
| Farmers | $1,693 | $1,957 | -13% |
| GEICO | $1,134 | $1,333 | -15% |
| Kemper | $1,911 | $2,213 | -14% |
| Nationwide | $1,424 | $1,589 | -10% |
| Progressive | $1,678 | $1,742 | -4% |
| State Farm | $1,136 | $1,270 | -11% |
| Travelers | $1,375 | $1,522 | -10% |
| USAA | $1,066 | $1,200 | -11% |
Read more: Best Car Insurance Companies
Cost of Insuring a Toyota Prius by Model Year
Insurance rates for a Toyota Prius vary by production year. For example, full coverage on a 2022 model costs $1,566, while a 2009 model costs $1,217. Below are the average full and minimum coverage rates for each model year.
| 2022 | $600 | $1,566 |
| 2021 | $602 | $1,548 |
| 2020 | $581 | $1,509 |
| 2019 | $608 | $1,477 |
| 2018 | $609 | $1,437 |
| 2017 | $587 | $1,409 |
| 2016 | $614 | $1,381 |
| 2015 | $616 | $1,352 |
| 2014 | $587 | $1,321 |
| 2013 | $608 | $1,289 |
| 2012 | $602 | $1,257 |
| 2011 | $583 | $1,244 |
| 2010 | $614 | $1,230 |
| 2009 | $618 | $1,217 |
Toyota Prius Insurance Costs by Driver Age
Toyota Prius insurance rates vary greatly based on the driver's age. For instance, 16-year-olds pay an average of $5,961 annually for full coverage, while 40-year-olds pay around $1,374. Below are the average minimum and full coverage rates by age.
| 16 | $2,744 | $5,961 |
| 17 | $2,231 | $4,866 |
| 18 | $1,944 | $4,280 |
| 19 | $1,377 | $3,043 |
| 20 | $1,237 | $2,766 |
| 21 | $982 | $2,234 |
| 22 | $895 | $2,052 |
| 23 | $831 | $1,916 |
| 24 | $788 | $1,822 |
| 25 | $701 | $1,630 |
| 26 | $684 | $1,577 |
| 27 | $668 | $1,542 |
| 28 | $657 | $1,518 |
| 29 | $647 | $1,498 |
| 30 | $625 | $1,444 |
| 35 | $609 | $1,400 |
| 40 | $602 | $1,374 |
| 45 | $597 | $1,356 |
| 50 | $583 | $1,315 |
| 55 | $568 | $1,280 |
| 60 | $568 | $1,275 |
| 65 | $604 | $1,326 |
| 70 | $656 | $1,419 |
| 75 | $728 | $1,556 |
| 80 | $825 | $1,733 |
| 85 | $893 | $1,861 |
| 90 | $942 | $1,949 |
Toyota Prius Insurance Rates Explained
Several factors affect car insurance rates based on driver profile. Providers also consider factors tied to the vehicle. Below is a breakdown of how your car impacts insurance costs.
Toyota Prius Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Toyota Prius
Average Full Coverage Rate
$1,363Premiums for Toyota Prius are:$67 more
This is 5% more expensive.
Value
The Toyota Prius has an MSRP of $36,100, classifying it as a midrange vehicle. Higher-priced vehicles like this typically lead to higher insurance premiums.
Repair costs
The Toyota Prius has an annual repair cost of $408, below the national average. Lower repair costs can lead to cheaper insurance, as insurers factor in the ease and cost of repairs.
Performance
The Toyota Prius has a 0-to-60 time of 7.1 seconds and 194 to 196 horsepower. Its moderate performance suggests lower insurance costs.
Vehicle age
Newer Toyota Prius models are generally more expensive to insure than older ones, though collector and classic vehicles may cost more.
Safety features
Safety features like stability control, airbags and antilock brakes may qualify the Toyota Prius for insurance discounts. These features help reduce accident risk.
Vehicle size
Larger vehicles typically cost more to insure due to potential property damage. The Toyota Prius, weighing 3,340 lbs, is moderately sized and may have lower insurance costs than larger models.
Trim level
Higher trim levels with premium upgrades raise the Toyota Prius' MSRP, resulting in higher insurance costs.
Theft rates
Vehicles at higher risk of theft cost more to insure. The Toyota Prius has a moderate theft rate, which may slightly raise insurance costs.
Anti-theft features
Anti-theft technologies like an alarm system and engine immobilizer on the Toyota Prius can reduce insurance costs.
Cheapest Toyota Prius Insurance
State Farm offers the lowest annual minimum coverage rate for a Toyota Prius at $475, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable car insurance by coverage level, age group, driving record and model year.
Cheapest Toyota Prius Insurance by Coverage Level
Your coverage level greatly affects your Toyota Prius insurance rate. State Farm offers the lowest average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Toyota Prius Minimum Coverage
State Farm and GEICO offer the cheapest minimum coverage for a Toyota Prius at $40 per month. Travelers, Nationwide and Farmers follow, with rates ranging from $50 to $56.
| USAA | $34 | $409 |
| State Farm | $40 | $475 |
| GEICO | $40 | $478 |
| Travelers | $50 | $596 |
| Nationwide | $53 | $635 |
| Farmers | $56 | $677 |
| Progressive | $57 | $684 |
| Allstate | $59 | $707 |
*State Farm offers non-military-affiliated Toyota Prius owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Toyota Prius Insurance Rates by Model Year
The above list doesn't consider the model year, so lower rates may be available depending on your vehicle's age. Filter the table below to find the cheapest minimum coverage rates for every Toyota Prius production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $718 | $60 |
| Farmers | $743 | $62 |
| GEICO | $519 | $43 |
| Nationwide | $639 | $53 |
| Progressive | $684 | $57 |
| State Farm | $448 | $37 |
| Travelers | $630 | $53 |
| USAA | $423 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Toyota Prius Insurance
State Farm offers the cheapest full coverage insurance for a Toyota Prius at $92 per month or $1,101 annually. See the complete list of full coverage providers and rates below.
| USAA | $86 | $1,031 |
| State Farm | $92 | $1,101 |
| GEICO | $92 | $1,103 |
| Nationwide | $112 | $1,340 |
| Travelers | $113 | $1,360 |
| Allstate | $125 | $1,505 |
| Farmers | $132 | $1,581 |
| Progressive | $133 | $1,594 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Toyota Prius owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Toyota Prius Insurance by Age
Drivers aged 16 to 25 and those 55 and up often pay more for Toyota Prius insurance. Below is a breakdown of the cheapest options by age group.
Cheapest Toyota Prius Insurance for Young Drivers
State Farm offers the cheapest auto insurance for young adults at $86 monthly or $1,037 annually for minimum coverage. Below is the complete list of lowest rates for Toyota Prius drivers aged 16 to 25.
| USAA | $70 | $845 |
| State Farm | $86 | $1,037 |
| GEICO | $95 | $1,136 |
| Travelers | $103 | $1,240 |
| Allstate | $137 | $1,648 |
| Nationwide | $138 | $1,657 |
| Farmers | $152 | $1,826 |
| Progressive | $158 | $1,895 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Toyota Prius Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $44 monthly or $523 yearly. Check the full list of affordable Toyota Prius insurers below.
| State Farm | $44 | $523 |
| USAA | $45 | $543 |
| GEICO | $48 | $573 |
| Travelers | $60 | $716 |
| Nationwide | $62 | $744 |
| Allstate | $72 | $867 |
| Progressive | $73 | $873 |
| Farmers | $75 | $905 |
Cheapest Toyota Prius Insurance After an Accident
State Farm, GEICO and Travelers offer Toyota Prius drivers the most affordable car insurance after an accident. See the complete list below.
| State Farm | $50 | $596 |
| USAA | $52 | $623 |
| GEICO | $63 | $750 |
| Travelers | $71 | $851 |
| Allstate | $81 | $971 |
| Nationwide | $81 | $972 |
| Progressive | $93 | $1,120 |
| Farmers | $112 | $1,346 |
Toyota Prius Insurance Cost: Bottom Line
Compare rates from different providers to find the cheapest car insurance. This article explores Toyota Prius insurance, covering costs across demographics and identifying the most affordable providers.
Toyota Prius Insurance Rates: FAQ
Below are answers to common questions about Toyota Prius insurance costs.
What company has the cheapest car insurance for a Toyota Prius?
State Farm is the cheapest insurance provider for a Toyota Prius, with an annual minimum coverage rate of $475.
What is the average cost of car insurance for a Toyota Prius?
The average annual cost of minimum coverage insurance for a Toyota Prius is $591, while full coverage averages $1,363.
Toyota Prius Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Toyota Prius insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Toyota Prius:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Toyota Prius insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Toyota Prius.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.