Key Takeaways
The Toyota Prius is a hybrid car known for its amazing fuel efficiency and environmental friendliness. But have you ever wondered about the Toyota Prius car insurance cost? Insurance rates may differ depending on the specific model year you choose and the trim levels. You can always consider comparing different insurance providers available for your Toyota Prius, so that your selection may not lead to coverage gaps, which may put your finances at risk.
The average insurance cost of a Toyota Prius is around $1,692 per year , but you can lower your premiums by choosing the right insurance provider. You can find the best options that are suitable for your coverage needs by shopping around and comparing quotes. The Way app helps you secure the best rate for your Prius by letting you compare multiple providers in minutes.
Toyota Prius car insurance costs are higher compared to those of its competitors in the hybrid car segment. The higher insurance price is mainly due to its high-end safety features and hybrid technology, which lead to expensive repairs for battery packs and electrical components after an accident. In addition, the Prius's higher probability of catalytic converter theft can further elevate the insurance rates.
| Hybrid Cars | Average Annual Premium |
|---|---|
| Hyundai Ioniq Hybrid | $972 |
| Toyota Camry Hybrid | $1,152 |
| Ford Fusion Hybrid | $1,152 |
| Hyundai Sonata Hybrid | $1,284 |
| Kia Niro | $1,500 |
| Honda Insight | $1,548 |
| Ford C-Max Hybrid | $1,548 |
| Toyota Corolla Hybrid | $1,548 |
| Honda Civic Hybrid | $1,548 |
| Toyota Prius | $1,692 |
Insurance providers often consider several factors when determining your Toyota Prius premium. Some of the most common factors are given below.
Older Toyota Prius models usually have lower insurance costs since newer Toyota Prius models come with advanced features and technology, which also leads to more expensive repairs and replacements. However, certain older model years cost more to insure due to rarely available parts, good maintenance history, or certain features found in a specific model year. The average yearly Toyota Prius car insurance cost for a 2020 model is $1,699.
| Model Year | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| 2020 Toyota Prius | $142 | $1,699 |
| 2019 Toyota Prius | $147 | $1,763 |
| 2018 Toyota Prius | $126 | $1,516 |
| 2017 Toyota Prius | $87 | $1,047 |
| 2016 Toyota Prius | $104 | $1,250 |
| 2015 Toyota Prius | $73 | $871 |
| 2014 Toyota Prius | $85 | $1,019 |
| 2013 Toyota Prius | $72 | $870 |
| 2012 Toyota Prius | $66 | $798 |
| 2011 Toyota Prius | $68 | $812 |
According to our research, Erie offers the cheapest Toyota Prius car insurance rates. The average annual premium is just $821. However, the cheapest cost cannot always guarantee the best value. To get the maximum benefits, it is important to compare quotes from various providers and ensure that they have all the required features.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $68 | $821 |
| Vermont Mutual | $75 | $906 |
| USAA | $78 | $931 |
| Tennessee Farmers | $81 | $974 |
| Plymouth Rock Insurance | $84 | $1,012 |
Vermont Mutual offers the most competitive insurance rates for the 2020 Toyota Prius at just $1,144 per annum. Otherwise, it costs around $1,699 per year to insure a 2020 model on average.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Vermont Mutual | $95 | $1,144 |
| Nationwide | $99 | $1,197 |
| Erie | $108 | $1,298 |
| Tennessee Farmers | $109 | $1,317 |
| Arbella | $112 | $1,348 |
| Mercury | $113 | $1,358 |
| USAA | $115 | $1,379 |
| American Family | $118 | $1,413 |
| Country | $120 | $1,444 |
| 21st Century | $124 | $1,485 |
| Plymouth Rock Insurance | $125 | $1,503 |
Generally, it costs around $1,763 per year to insure a 2019 Toyota Prius. Cincinnati Insurance offers the most competitive insurance rates for the 2019 model at $1,082 per annum.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Cincinnati Insurance | $90 | $1,082 |
| Erie | $96 | $1,153 |
| Nationwide | $98 | $1,170 |
| USAA | $105 | $1,258 |
| Auto Owners | $105 | $1,262 |
| Mercury | $111 | $1,331 |
| Arbella | $111 | $1,335 |
| Country | $114 | $1,374 |
| American Family | $115 | $1,375 |
| Plymouth Rock Insurance | $118 | $1,413 |
| Acuity | $123 | $1,472 |
The insurance cost for a 2011 Toyota Prius is usually $1,516 per year. However, the provider is Erie, with an average annual premium of $850.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $71 | $850 |
| Tennessee Farmers | $81 | $980 |
| Plymouth Rock Insurance | $86 | $1,031 |
| USAA | $87 | $1,042 |
| Vermont Mutual | $89 | $1,069 |
| Acuity | $93 | $1,113 |
| Arbella | $94 | $1,132 |
| American Family | $97 | $1,163 |
| Nationwide | $99 | $1,183 |
| Country | $100 | $1,204 |
| Mercury | $102 | $1,232 |
Insuring a 2017 Toyota Prius typically costs about $1,047 annually, with Erie providing the most competitive rate at $664 per year.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $55 | $664 |
| Texas Farm Bureau | $65 | $776 |
| USAA | $75 | $902 |
| State Farm | $77 | $929 |
| Tennessee Farmers | $80 | $963 |
| Plymouth Rock Insurance | $83 | $1,000 |
| Nationwide | $84 | $1,015 |
| Vermont Mutual | $84 | $1,015 |
| Arbella | $89 | $1,063 |
| Progressive | $90 | $1,073 |
| Acuity | $90 | $1,082 |
For a 2016 Toyota Prius, the average insurance cost is approximately $1,250 yearly, while Texas Farm Bureau presents the best rate at $768 annually.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Texas Farm Bureau | $72 | $768 |
| Vermont Mutual | $83 | $885 |
| Quincy Mutual | $105 | $1,059 |
| Erie | $105 | $1,063 |
| Arbella | $106 | $1,074 |
| Nationwide | $111 | $1,135 |
| Tennessee Farmers | $115 | $1,181 |
| Country | $115 | $1,181 |
| USAA | $118 | $1,222 |
| Acuity | $122 | $1,264 |
| Mercury | $122 | $1,265 |
You can expect to pay around $871 per year for 2015 Toyota Prius car insurance. However, Erie offers the cheapest premium rate at just $542 per annum.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $45 | $542 |
| USAA | $52 | $628 |
| State Farm | $55 | $665 |
| Texas Farm Bureau | $61 | $739 |
| Progressive | $70 | $842 |
| Tennessee Farmers | $70 | $849 |
| Vermont Mutual | $73 | $883 |
| American Family | $74 | $892 |
| Country | $77 | $921 |
| Nationwide | $77 | $932 |
| Acuity | $79 | $950 |
With an average yearly insurance cost of $1,019, the 2014 Toyota Prius finds its most competitive rates through Plymouth Rock Insurance at $531 per year.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Plymouth Rock Insurance | $44 | $531 |
| Texas Farm Bureau | $59 | $708 |
| Arbella | $64 | $770 |
| Amica | $80 | $905 |
| Quincy Mutual | $84 | $1,007 |
| USAA | $88 | $1,062 |
| Progressive | $90 | $1,074 |
| State Farm | $101 | $1,216 |
| MetLife | $104 | $1,249 |
| Allstate | $116 | $1,388 |
| Liberty Mutual | $137 | $1,639 |
To insure a 2013 Toyota Prius, the typical annual expense is about $870. Nevertheless, Erie stands out with the cheapest rate of $622 per year.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $52 | $622 |
| USAA | $54 | $650 |
| Texas Farm Bureau | $57 | $689 |
| State Farm | $60 | $722 |
| Vermont Mutual | $66 | $799 |
| Tennessee Farmers | $71 | $855 |
| Progressive | $71 | $860 |
| Arbella | $74 | $892 |
| Plymouth Rock Insurance | $74 | $894 |
| Acuity | $76 | $909 |
| American Family | $80 | $961 |
On average, insuring a 2012 Toyota Prius will cost you around $798 per year. State Farm has the most affordable rate at just $563 per year.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| State Farm | $47 | $563 |
| Erie | $50 | $593 |
| USAA | $50 | $594 |
| Texas Farm Bureau | $56 | $671 |
| Progressive | $61 | $732 |
| Vermont Mutual | $62 | $741 |
| Tennessee Farmers | $68 | $824 |
| Acuity | $71 | $854 |
| Plymouth Rock Insurance | $72 | $870 |
| Arbella | $74 | $889 |
| American Family | $75 | $906 |
The average annual insurance premium for a 2011 Toyota Prius is $812. The cheapest rates are provided by USAA at just $570 per year. However, the benefits offered by USAA are limited only to military personnel, veterans, and their families. So, the next best option is Erie, with an average annual premium of $604.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| USAA | $47 | $570 |
| Erie | $50 | $604 |
| Texas Farm Bureau | $55 | $662 |
| Progressive | $59 | $704 |
| Vermont Mutual | $59 | $710 |
| State Farm | $60 | $724 |
| Arbella | $65 | $780 |
| Tennessee Farmers | $69 | $823 |
| Plymouth Rock Insurance | $71 | $851 |
| American Family | $72 | $870 |
| Country | $77 | $920 |
Crash test ratings significantly affect insurance premiums, as they directly indicate the safety performance of a vehicle. Toyota Prius has good crash test ratings over different model years, which can help reduce the yearly premiums.
| Vehicle | Overall | Frontal Crash | Side Crash | Rollover |
|---|---|---|---|---|
| 2020 Toyota Prius 5 HB FWD | 5 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2020 Toyota Prius 5 HB AWD | 5 Stars | 4 Stars | 5 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 5 HB FWD | 5 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2017 Toyota Prius 5 HB FWD | 5 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2016 Toyota Prius 5 HB FWD | 5 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2014 Toyota Prius V SW FWD | 5 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2013 Toyota Prius V SW FWD | 5 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2012 Toyota Prius 5 HB FWD | 5 Stars | 4 Stars | 5 Stars | 4 Stars |
| 2011 Toyota Prius 4 DR FWD | 5 Stars | 4 Stars | 5 Stars | 4 Stars |
The Toyota Prius comes with a number of safety features, which can reduce the insurance rates by getting you qualified for available discounts.
Some of the installed features include:
Toyota Prius has overall good safety ratings, which indicate a lower risk of injury, damage, and repair costs, which can lower its insurance rates. Insurance companies often consider safety ratings when determining a car model's premium rates, so the Prius's safety ratings play a key role in its insurance pricing.
| Category | IIHS Ratings |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Acceptable |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Roof strength | Good |
| Head restraints & seats | Good |
| Headlights | Acceptable |
| Front crash prevention: vehicle-to-vehicle Standard system | Superior |
Drive Safely : Careless driving can badly affect your Toyota Prius auto insurance costs. However, a good driving record can significantly lower your premium rates.
Improve the credit score : If you have a good credit score, you can save on annual insurance premiums.
Follow Traffic Rules : Traffic violations can increase your Toyota Pirus car insurance cost. Insurers typically consider speeding tickets and traffic rule violations as a higher risk when determining the premium amount.
Ask about available discounts : Insurance companies often offer several discounts. Discounts like loyalty, senior citizens, military veterans, and more can help you bring down your annual premium.
Bundle insurance policies: You can save even more by bundling auto and home insurance policies.
Download the Way app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes. On our platform, you can compare offers from more than 140 different insurance providers. This will help you in choosing the most suitable option to reduce your Toyota Prius car insurance costs.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The Toyota Prius insurance cost typically falls around $1,692 per year, depending on factors like the driver's age, location, driving history, and coverage level.
Full coverage is needed only if your Prius is new, leased, or financed. If your car is older and fully paid off, liability coverage may be enough.
The Toyota Prius car insurance cost is expensive compared to that of many of its direct competitors in the hybrid car segment. High repair and maintenance costs, higher probability of theft and damage, and rarely available parts can contribute to higher insurance rates.
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