Toyota Prius insurance costs vary by model year, with 2025 models costing around $271 monthly compared to $66 for older versions. Newer Prius models cost more to insure due to their higher market values.
Toyota Prius Insurance Cost
Updated: January 22, 2026
Key Takeaways
GEICO offers the most affordable Toyota Prius insurance on average, though full coverage costs vary widely by model year and company at about $173 monthly. Read more.
Sedans usually cost less to insure than other vehicle types due to lower repair costs and better safety ratings, but the Prius ranks 129th out of 199 sedans for affordability, placing it in the middle tier. Read more.
Your Prius's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Prius model years depending on the age of the drivers.
How Much Is Toyota Prius Insurance?
Looking for another Toyota model? Read more about the cost of Toyota car insurance models.
Insurance rates depend on model year and insurer. Full coverage for a Toyota Prius spans $131 monthly with GEICO to $317 with AIG, while minimum coverage goes from $60 with GEICO to $146 with UAIC.
Rate variations (more than $86 for minimum coverage and $186 for full coverage) highlight why comparing insurers matters for Prius owners. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $100 | $209 |
| AIG | $128 | $317 |
| Allstate | $117 | $226 |
| Amica | $112 | $228 |
| Chubb | $117 | $234 |
| Farmers | $131 | $231 |
| Geico | $60 | $131 |
| Kemper | $88 | $178 |
| Nationwide | $100 | $173 |
| Progressive | $89 | $166 |
| State Farm | $83 | $173 |
| The Hartford | $92 | $156 |
| Travelers | $77 | $142 |
| UAIC | $146 | $183 |
Is Toyota Prius Expensive to Insure?
MoneyGeek's comparison of Toyota Prius costs to 199 other sedans shows it ranks 129th for affordability, meaning 128 vehicles cost less to insure. It's positioned between the slightly cheaper Volvo S60 and the marginally pricier Cadillac XTS. This middle-tier ranking among sedans provides useful context for insurance budgeting.
That's middle of the pack, but sedans are expensive to insure overall. The Prius ranks 313th out of 827 total cars in our database, placing it in the top half for affordability. The cheapest sedan to insure is the Saturn S-Series, while the Cadillac CTS-V commands the highest premiums.
| Acura RLX | $154 | 126 |
| Cadillac ATS | $154 | 127 |
| Volvo S60 | $154 | 128 |
| BMW 4-series | $154 | 128 |
| Toyota Prius | $157 | 129 |
| Cadillac XTS | $157 | 130 |
| Tesla Model 3 | $157 | 131 |
| Lexus IS | $157 | 132 |
Several factors affect what you'll pay for Toyota Prius insurance:
- Average Repair or Replacement Costs: Toyota Prius repair costs average $679 annually, ranking as Toyota's 11th most affordable model to maintain out of 32. This relatively low maintenance expense helps keep insurance premiums more affordable compared to other vehicles.
- Vehicle Trim, Features and Accessories: The Toyota Prius delivers 121 horsepower with hybrid efficiency, though higher performance may lead to increased premiums. Higher trim levels cost more to insure due to enhanced features and replacement costs.
- Driver Profile: Most Toyota Prius drivers are 35 to 50 years old with a median age around 45, earning lower rates due to responsible driving habits. However, the Prius's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Toyota Prius for young drivers.
Toyota Prius Insurance Cost by State
Car insurance for a Toyota Prius costs anywhere from $33 per month in Wyoming to $173 in Louisiana for minimum coverage, depending on where you're located. These differences stem from your state's risk characteristics and insurance regulations, not the Prius itself.
| Alabama | $76 | $145 |
| Alaska | $63 | $135 |
| Arizona | $107 | $199 |
| Arkansas | $72 | $161 |
| California | $85 | $172 |
| Colorado | $84 | $202 |
| Connecticut | $122 | $209 |
| Delaware | $125 | $210 |
| District Of Columbia | $94 | $174 |
| Florida | $122 | $285 |
| Georgia | $130 | $214 |
| Hawaii | $47 | $105 |
| Idaho | $48 | $99 |
| Illinois | $81 | $151 |
| Indiana | $57 | $112 |
| Iowa | $50 | $120 |
| Kansas | $63 | $148 |
| Kentucky | $108 | $184 |
| Louisiana | $173 | $371 |
| Maine | $46 | $96 |
| Maryland | $136 | $229 |
| Massachusetts | $89 | $190 |
| Michigan | $139 | $268 |
| Minnesota | $74 | $155 |
| Mississippi | $79 | $156 |
| Missouri | $102 | $203 |
| Montana | $62 | $148 |
| Nebraska | $65 | $147 |
| Nevada | $156 | $282 |
| New Hampshire | $62 | $110 |
| New Jersey | $146 | $241 |
| New Mexico | $71 | $159 |
| New York | $110 | $198 |
| North Carolina | $73 | $144 |
| North Dakota | $54 | $118 |
| Ohio | $67 | $129 |
| Oklahoma | $82 | $181 |
| Oregon | $105 | $184 |
| Pennsylvania | $79 | $185 |
| Rhode Island | $109 | $194 |
| South Carolina | $89 | $167 |
| South Dakota | $48 | $148 |
| Tennessee | $68 | $138 |
| Texas | $110 | $226 |
| Utah | $95 | $161 |
| Vermont | $41 | $97 |
| Virginia | $83 | $135 |
| Washington | $81 | $151 |
| West Virginia | $76 | $155 |
| Wisconsin | $57 | $126 |
| Wyoming | $33 | $102 |
Toyota Prius Costs by Model Year and Insurance Company
A 35- to 55-year-old driver pays about $230 monthly for full coverage on a 2025 Toyota Prius, compared to around $157 for a 2016 model. This $73 difference shows how model year affects insurance costs, with newer Prius models consistently costing more to insure.
Young drivers in their teens and early 20s pay much higher rates across all model years. Travelers offers the lowest average rates across Toyota Prius model years, and comparing insurers can save you hundreds of dollars per year compared to average costs.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Toyota Prius
| Geico | $87 | $190 |
| Travelers | $96 | $177 |
| National General | $101 | $207 |
| State Farm | $108 | $225 |
| Kemper | $112 | $226 |
| Nationwide | $114 | $198 |
| Progressive | $120 | $225 |
| The Hartford | $126 | $214 |
| AAA | $134 | $279 |
| Allstate | $146 | $281 |
| Amica | $154 | $315 |
| Chubb | $173 | $345 |
| AIG | $173 | $435 |
| UAIC | $184 | $232 |
| Farmers | $184 | $325 |
Cost of Car Insurance for 2024 Toyota Prius
| Geico | $78 | $170 |
| Travelers | $86 | $159 |
| National General | $91 | $186 |
| State Farm | $97 | $202 |
| Kemper | $101 | $203 |
| Nationwide | $103 | $178 |
| Progressive | $108 | $202 |
| The Hartford | $113 | $192 |
| AAA | $121 | $250 |
| Allstate | $131 | $252 |
| Amica | $138 | $283 |
| Chubb | $155 | $309 |
| AIG | $155 | $390 |
| UAIC | $165 | $208 |
| Farmers | $165 | $291 |
Cost of Car Insurance for 2023 Toyota Prius
| Geico | $70 | $152 |
| Travelers | $77 | $142 |
| National General | $81 | $166 |
| State Farm | $87 | $180 |
| Kemper | $90 | $181 |
| Nationwide | $92 | $159 |
| Progressive | $96 | $181 |
| The Hartford | $101 | $172 |
| AAA | $108 | $224 |
| Allstate | $117 | $225 |
| Amica | $123 | $253 |
| Chubb | $139 | $277 |
| AIG | $139 | $349 |
| UAIC | $148 | $186 |
| Farmers | $148 | $261 |
Cost of Car Insurance for 2022 Toyota Prius
| Geico | $61 | $132 |
| Travelers | $67 | $124 |
| National General | $71 | $145 |
| State Farm | $75 | $157 |
| Kemper | $78 | $158 |
| Nationwide | $80 | $138 |
| Progressive | $84 | $157 |
| The Hartford | $88 | $149 |
| AAA | $94 | $195 |
| Allstate | $102 | $196 |
| Amica | $107 | $220 |
| Chubb | $121 | $240 |
| AIG | $121 | $303 |
| UAIC | $128 | $162 |
| Farmers | $128 | $227 |
Cost of Car Insurance for 2021 Toyota Prius
| Geico | $54 | $118 |
| Travelers | $60 | $110 |
| National General | $63 | $129 |
| State Farm | $67 | $140 |
| Kemper | $70 | $141 |
| Nationwide | $71 | $123 |
| Progressive | $75 | $140 |
| The Hartford | $78 | $133 |
| AAA | $84 | $174 |
| Allstate | $91 | $175 |
| Amica | $96 | $196 |
| Chubb | $108 | $215 |
| AIG | $108 | $271 |
| UAIC | $115 | $144 |
| Farmers | $115 | $202 |
Cost of Car Insurance for 2020 Toyota Prius
| Geico | $48 | $105 |
| Travelers | $53 | $99 |
| National General | $56 | $115 |
| State Farm | $60 | $125 |
| Kemper | $62 | $126 |
| Nationwide | $64 | $110 |
| Progressive | $67 | $125 |
| The Hartford | $70 | $119 |
| AAA | $75 | $155 |
| Allstate | $81 | $156 |
| Amica | $85 | $175 |
| Chubb | $96 | $192 |
| AIG | $96 | $242 |
| UAIC | $102 | $129 |
| Farmers | $102 | $181 |
Cost of Car Insurance for 2019 Toyota Prius
| Geico | $59 | $127 |
| National General | $76 | $155 |
| Travelers | $88 | $163 |
| Progressive | $90 | $167 |
| Kemper | $94 | $191 |
| State Farm | $101 | $211 |
| The Hartford | $103 | $176 |
| AAA | $109 | $226 |
| Nationwide | $116 | $201 |
| Allstate | $118 | $228 |
| Amica | $120 | $246 |
| Chubb | $122 | $244 |
| AIG | $135 | $338 |
| UAIC | $142 | $178 |
| Farmers | $157 | $277 |
Cost of Car Insurance for 2018 Toyota Prius
| Geico | $59 | $127 |
| National General | $75 | $154 |
| Travelers | $89 | $164 |
| Progressive | $91 | $169 |
| Kemper | $94 | $192 |
| State Farm | $102 | $212 |
| The Hartford | $103 | $175 |
| AAA | $109 | $226 |
| Nationwide | $118 | $204 |
| Allstate | $119 | $230 |
| Chubb | $119 | $238 |
| Amica | $119 | $245 |
| AIG | $135 | $335 |
| UAIC | $142 | $177 |
| Farmers | $158 | $278 |
Cost of Car Insurance for 2017 Toyota Prius
| Geico | $55 | $119 |
| National General | $70 | $144 |
| Travelers | $84 | $155 |
| Progressive | $88 | $165 |
| Kemper | $93 | $189 |
| State Farm | $96 | $199 |
| The Hartford | $98 | $168 |
| AAA | $102 | $212 |
| Amica | $111 | $229 |
| Allstate | $113 | $218 |
| Chubb | $116 | $232 |
| Nationwide | $118 | $204 |
| AIG | $130 | $325 |
| UAIC | $137 | $170 |
| Farmers | $143 | $252 |
Cost of Car Insurance for 2016 Toyota Prius
| Geico | $53 | $114 |
| National General | $64 | $131 |
| Travelers | $75 | $137 |
| State Farm | $76 | $157 |
| Progressive | $82 | $152 |
| The Hartford | $88 | $150 |
| Kemper | $89 | $178 |
| AAA | $93 | $191 |
| Allstate | $100 | $194 |
| Amica | $102 | $209 |
| Nationwide | $107 | $184 |
| Chubb | $115 | $227 |
| Farmers | $116 | $204 |
| AIG | $120 | $297 |
| UAIC | $141 | $176 |
Toyota Prius Insurance Cost by Trim
Toyota Prius insurance costs vary by trim, from $271 monthly for full coverage on high-performance XSE Premium variants to $71 for minimum coverage on basic III Hatchback 4D models. Performance features and market value determine where your specific trim falls in this range.
| Iii Hatchback 4d | $71 | $137 |
| Ii Hatchback 4d | $72 | $138 |
| Standard Hatchback 4d | $75 | $146 |
| L Eco Hatchback 4d | $75 | $146 |
| I Hatchback 4d | $76 | $146 |
| 20th Anniversary Edition Hatchback 4d | $76 | $148 |
| Touring Hatchback 4d | $78 | $150 |
| Le Hatchback 4d | $79 | $153 |
| Iv Hatchback 4d | $80 | $156 |
| Xle Hatchback 4d | $81 | $157 |
| Five Hatchback 4d | $81 | $157 |
| V Hatchback 4d | $82 | $158 |
| Nightshade Edition Hatchback 4d | $85 | $165 |
| Hatchback 4d | $85 | $164 |
| Persona Series Special Edition Hatchback 4d | $87 | $168 |
| Sedan 4d | $87 | $167 |
| Advanced Hatchback 4d | $87 | $168 |
| One Hatchback 4d | $90 | $174 |
| Limited Hatchback 4d | $91 | $176 |
| Two Eco Hatchback 4d | $91 | $176 |
| Three Touring Hatchback 4d | $91 | $176 |
| Two Hatchback 4d | $92 | $178 |
| Three Hatchback 4d | $92 | $179 |
| Four Hatchback 4d | $94 | $183 |
| Four Touring Hatchback 4d | $95 | $183 |
| Le | $97 | $189 |
| Xle | $108 | $210 |
| Persona Series Hatchback 4d | $111 | $217 |
| Nightshade | $113 | $219 |
| Se | $117 | $227 |
| Limited | $120 | $233 |
| Xse | $127 | $247 |
| Xse Premium | $139 | $271 |
How to Lower the Cost of Toyota Prius Insurance
These proven strategies help you find better rates on your Toyota Prius insurance:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Toyota Prius. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by researching average auto insurance costs for hybrid vehicles. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Having this reference point helps you identify truly affordable options versus overpriced policies.
- 3Look for More than Just Low Rates
Selecting reliable car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service when you need claims assistance most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Toyota Prius owners often get safety features discounts, good driver rewards, policy bundling savings and low mileage reductions. Many insurers also offer hybrid vehicle discounts specifically for eco-friendly cars like the Prius, which can reduce your annual premiums.
- 5Consider Alternative Car Insurance Types
Toyota Prius owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior. Since many Prius owners drive conservatively to maximize fuel efficiency, these programs often provide huge savings.
- 6Check Rates Every Year
Get car insurance quotes from several companies annually to ensure you're getting the best deal. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Toyota Prius insurance. Market conditions and your driving record changes can create new savings opportunities.
Toyota Prius Insurance Cost: Bottom Line
Toyota Prius insurance runs average in cost, but you'll find decent rates with smart shopping. Compare quotes from multiple insurers, claim available discounts and adjust your coverage options to get better pricing.
Toyota Prius Insurance Rates: FAQ
What is the average cost of car insurance for a Toyota Prius?
Insurance for a Toyota Prius costs $1,072 annually for minimum coverage and $2,076 yearly for full coverage. This makes the Prius relatively affordable to insure compared to other vehicles.
What company has the cheapest car insurance for a Toyota Prius?
GEICO provides the most affordable minimum coverage for a Toyota Prius at $720 annually. The company also offers the best value for full coverage at $1,572 per year.
Are Toyota Prius models expensive to insure?
No, Toyota Prius insurance is not more expensive than most vehicles. Among sedans specifically, this model places 129th out of 199 for affordability, while ranking 313th out of 827 total vehicles we track.
What factors affect insurance costs for Toyota Prius models?
Various elements affect Toyota Prius insurance rates. Your driving record and credit score influence premiums, along with your coverage selections. The Prius actually costs less to insure than most vehicles, with average monthly premiums around $131 compared to higher national averages.
How can I lower Toyota Prius insurance costs?
Compare quotes from multiple insurers since Toyota Prius costs differ between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle with other policies and maintain a clean driving record to get better rates.
How We Determined Toyota Prius Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Toyota Prius insurance costs.
Who We Based These Rates On
These Toyota Prius rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.