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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Prius insurance averages $144 per month, which is about 12% lower than the national average for car insurance.
USAA is the cheapest insurer for Prius owners, with an average monthly premium of $75.
Strong safety ratings and low theft rates help keep Prius insurance costs below average compared to other vehicles.
How much you pay for Toyota Prius car insurance depends heavily on the type of policy you choose. Liability-only insurance covers property damage and injuries you cause to others. Full coverage isn’t the cheapest option, but it adds comprehensive and collision protection for your vehicle.
Comprehensive insurance takes care of non-collision incidents, like theft, vandalism, or weather damage, and collision helps pay for damage to your Prius after an accident.
The table below compares liability and full-coverage policy rates for the Prius to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Toyota Prius | $106 | $182 | $144 |
| All vehicles | $113 | $212 | $163 |
Prius owners pay an average of $106 per month for liability-only coverage and $182 per month for full coverage. It’s cheaper to insure a Prius than the average vehicle — roughly $30 less per month (or $360 per year) for full coverage.
But that’s just the average. Your personal rate depends on several other factors beyond your coverage type. Next, we’ll look at how prices change based on the company you choose.
Comparing quotes can save you up to $867.†
You can save by shopping around for Prius coverage. Because companies use different formulas to calculate rates, comparing quotes is a simple way to pay less for car insurance.
Here are the five cheapest car insurance companies for Prius insurance, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $106 |
| GEICO | $116 |
| AAA | $127 |
| American Family | $113 |
| Progressive | $140 |
| Nationwide | $137 |
| Travelers | $143 |
| Farmers | $162 |
| Liberty Mutual | $193 |
| Amica | $364 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers consistently low rates and ranks high for customer satisfaction in J.D. Power’s 2025 Auto Insurance Study.[1] You can lower your premiums through its safe driving and low-mileage telematics programs. Discounts for bundling, storing your car, or parking it on base can help you save even more.
Exclusive member perks
A++ financial strength rating[2]
Military-only eligibility
No local offices
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm combines affordable rates with convenient local agent support, which is great for Prius owners who want face-to-face support. The company also offers multiple discount opportunities, including safe driving rewards and multi-policy savings that allow you to bundle more than just home and auto.
Large local agent network
High marks for customer service
Must contact an agent to manage policies
No gap insurance
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers perks specifically designed for hybrid and electric vehicle owners, including available coverage for your home charging station. Plus, the company’s roadside assistance plan is reasonably priced and includes battery charging service if you’re stranded with a dead battery. You can also get accident forgiveness to protect against rate hikes after a mishap.
Hybrid and electric vehicle perks
Highly rated usage-based insurance
Mixed customer service rating
Few options to customize coverage
Your Prius’ age makes a real difference in what you’ll pay for coverage. That’s because the more your car is worth, the more it costs to insure. For this reason, newer models typically have higher premiums than older ones.
For example, a 2025 hybrid Prius LE starts around $29,485, while older models are worth much less.[3]
Check out the tables below to see exactly how this plays out for a Prius, according to Compare.com data.
Prius Model Year | Average Monthly Premium |
|---|---|
| 2026 | $173 |
| 2025 | $174 |
| 2024 | $174 |
| 2023 | $173 |
| 2022 | $173 |
| 2021 | $168 |
| 2020 | $160 |
| 2019 | $157 |
| 2018 | $151 |
| 2017 | $148 |
| 2016 | $144 |
| 2015 | $141 |
| 2014 | $139 |
| 2013 | $132 |
| 2012 | $128 |
| 2011 | $125 |
| 2010 | $123 |
| 2009 | $118 |
| 2008 | $117 |
| 2007 | $115 |
| 2006 | $114 |
| 2005 | $110 |
| 2004 | $108 |
| 2003 | $107 |
| 2002 | $107 |
| 2001 | $107 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $127 |
| GEICO | $139 |
| AAA | $152 |
| American Family | $136 |
| Progressive | $168 |
| Nationwide | $164 |
| Travelers | $171 |
| Farmers | $194 |
| Liberty Mutual | $231 |
| Amica | $437 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $100 |
| Allstate | $128 |
| GEICO | $140 |
| AAA | $153 |
| American Family | $137 |
| Progressive | $169 |
| Nationwide | $166 |
| Travelers | $173 |
| Farmers | $196 |
| Liberty Mutual | $233 |
| Amica | $440 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $100 |
| Allstate | $128 |
| GEICO | $140 |
| AAA | $153 |
| American Family | $137 |
| Progressive | $169 |
| Nationwide | $166 |
| Travelers | $173 |
| Farmers | $196 |
| Liberty Mutual | $233 |
| Amica | $440 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $128 |
| GEICO | $140 |
| AAA | $153 |
| American Family | $136 |
| Progressive | $169 |
| Nationwide | $165 |
| Travelers | $172 |
| Farmers | $195 |
| Liberty Mutual | $232 |
| Amica | $438 |
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $128 |
| GEICO | $140 |
| AAA | $153 |
| American Family | $136 |
| Progressive | $169 |
| Nationwide | $165 |
| Travelers | $172 |
| Farmers | $195 |
| Liberty Mutual | $232 |
| Amica | $438 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $97 |
| Allstate | $123 |
| GEICO | $135 |
| AAA | $148 |
| American Family | $131 |
| Progressive | $163 |
| Nationwide | $159 |
| Travelers | $166 |
| Farmers | $189 |
| Liberty Mutual | $225 |
| Amica | $424 |
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $92 |
| Allstate | $118 |
| GEICO | $129 |
| AAA | $141 |
| American Family | $125 |
| Progressive | $155 |
| Nationwide | $152 |
| Travelers | $159 |
| Farmers | $180 |
| Liberty Mutual | $214 |
| Amica | $404 |
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $90 |
| Allstate | $115 |
| GEICO | $126 |
| AAA | $138 |
| American Family | $123 |
| Progressive | $152 |
| Nationwide | $149 |
| Travelers | $156 |
| Farmers | $176 |
| Liberty Mutual | $210 |
| Amica | $396 |
Company | Average Monthly Premium |
|---|---|
| USAA | $79 |
| State Farm | $87 |
| Allstate | $111 |
| GEICO | $122 |
| AAA | $133 |
| American Family | $118 |
| Progressive | $147 |
| Nationwide | $144 |
| Travelers | $150 |
| Farmers | $170 |
| Liberty Mutual | $202 |
| Amica | $381 |
Company | Average Monthly Premium |
|---|---|
| USAA | $77 |
| State Farm | $85 |
| Allstate | $109 |
| GEICO | $119 |
| AAA | $131 |
| American Family | $116 |
| Progressive | $144 |
| Nationwide | $141 |
| Travelers | $147 |
| Farmers | $167 |
| Liberty Mutual | $199 |
| Amica | $375 |
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $106 |
| GEICO | $116 |
| AAA | $127 |
| American Family | $113 |
| Progressive | $140 |
| Nationwide | $137 |
| Travelers | $143 |
| Farmers | $162 |
| Liberty Mutual | $193 |
| Amica | $363 |
Company | Average Monthly Premium |
|---|---|
| USAA | $73 |
| State Farm | $81 |
| Allstate | $103 |
| GEICO | $113 |
| AAA | $124 |
| American Family | $110 |
| Progressive | $137 |
| Nationwide | $134 |
| Travelers | $140 |
| Farmers | $158 |
| Liberty Mutual | $188 |
| Amica | $355 |
Compare personalized quotes from dozens of top companies in minutes.
Where you live makes a big difference in what you pay to insure your Prius. State-specific factors, such as the cost of medical care and car repairs, lawsuit frequency, weather patterns, and insurance fraud prevalence, all influence your premiums.[4]
See how much Prius insurance rates vary by state in the map below, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $119 |
| Arizona | $126 |
| Arkansas | $137 |
| California | $155 |
| Colorado | $155 |
| Connecticut | $214 |
| Delaware | $180 |
| Florida | $168 |
| Georgia | $192 |
| Hawaii | $95 |
| Idaho | $79 |
| Illinois | $119 |
| Indiana | $98 |
| Iowa | $81 |
| Kansas | $112 |
| Kentucky | $149 |
| Louisiana | $161 |
| Maine | $105 |
| Maryland | $229 |
| Massachusetts | $114 |
| Michigan | $173 |
| Minnesota | $131 |
| Mississippi | $114 |
| Missouri | $137 |
| Montana | $112 |
| Nebraska | $108 |
| Nevada | $191 |
| New Hampshire | $66 |
| New Jersey | $203 |
| New Mexico | $109 |
| New York | $166 |
| North Carolina | $67 |
| North Dakota | $88 |
| Ohio | $93 |
| Oklahoma | $129 |
| Oregon | $115 |
| Pennsylvania | $121 |
| Rhode Island | $166 |
| South Carolina | $184 |
| South Dakota | $104 |
| Tennessee | $107 |
| Texas | $165 |
| Utah | $113 |
| Vermont | $108 |
| Virginia | $135 |
| Washington | $128 |
| Washington D.C. | $237 |
| West Virginia | $111 |
| Wyoming | $85 |
How long you’ve been driving also affects your Prius insurance costs. Teens face higher crash risks than older drivers. In fact, drivers ages 16–19 have nearly triple the fatal crash rate of drivers 20 and older per mile driven, according to the Centers for Disease Control and Prevention (CDC).[5]
Auto insurance companies charge younger drivers more because of that risk. But fortunately for teens, premiums begin to decrease around age 25.
Let’s look at how Toyota Prius owners experience these rate changes in the table below, according to our research.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $276 |
| Adults | $144 |
| Seniors | $124 |
Teens’ inexperience behind the wheel can make them less able to respond quickly and appropriately to dangerous situations, increasing their likelihood of an accident.
And the younger the teen, the greater their risks. The per-mile crash rate for 16-year-old drivers is approximately 1.5 times as high as that of 18- and 19-year-old drivers, according to the CDC.
Here’s a look at what some top companies charge young drivers for Prius insurance, based on our data.
Older drivers tend to drive fewer miles and avoid challenging situations, such as night driving. That translates to fewer crashes and property damage claims, something insurance companies reward with reduced premiums.[6] But savvy seniors can save even more with the right insurer.
With that in mind, we’ve highlighted the cheapest insurers for senior Prius owners in the chart below.
How you’ve driven in the past is a good indicator of how you’ll drive in the future, which directly translates to how likely you are to file a claim.
Drivers with tickets or accidents tend to file more claims, so insurers charge higher premiums to offset this risk.[7] Some might even refuse to cover you altogether if you have serious infractions like a DUI.
Certain companies actually specialize in high-risk coverage, offering policies to drivers others won’t insure. But these policies typically come with higher rates.
The table below highlights the average monthly premiums for Prius owners with different driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $144 |
| Speeding ticket | $193 |
| At-fault accident | $206 |
| DUI | $242 |
Speeding increases the chance you’ll lose control of your Prius, reduces the time you have to react to danger, and raises your risk of a serious crash.[8] That’s why speeding tickets often lead to higher insurance rates — they signal to insurers that you’re a riskier driver.
Here are the cheapest car insurance companies for Prius drivers with speeding tickets, according to our research.
Your driving record helps insurers predict future claims, and an at-fault accident signals increased risk. Insurance companies view drivers with a history of accidents as more likely to get into another one, so insurers raise premiums to account for that heightened risk. And if your accident is the result of driving under the influence, most insurers won’t renew your policy.
Choosing the right company can limit these costly rate hikes. The chart below lists the cheapest companies for Toyota Prius drivers with a recent accident, according to Compare.com data.
A DUI shows insurers that you’re a high-risk driver — even more so than a ticket or at-fault accident. In fact, our data shows that average rates nearly double after a single DUI conviction.
Many states also require you to file an SR-22 or FR-44 form after a conviction to prove you have proper coverage. Not all insurers offer SR-22 insurance, and they typically charge you higher premiums.
Still, some insurance companies offer relatively reasonable rates to drivers with a DUI, and a few even specialize in high-risk drivers. Check out the chart below to see the cheapest insurers for drivers with a DUI, according to our data.
The specific characteristics of your Toyota Prius can play a role in your overall insurance costs. Here’s what can push your premiums up or down:
Affordable pricing: A 2025 Prius starts around $29,485, putting it in the mid-range for compact cars. This helps keep insurance costs reasonable compared to luxury vehicles.
Theft rates: The Prius doesn’t appear on the National Insurance Crime Bureau’s 2024 list of the top five most stolen vehicles.[9] Lower theft rates typically mean lower insurance premiums.
Safety features: 2023 and newer Prius models earned the IIHS Top Safety Pick+ award, which can lower your risk of injuries and filing claims.[10]
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Besides shopping around to compare car insurance quotes, a few additional strategies can help you get cheaper premiums.
Ask about hybrid electric vehicle discounts. Many insurers, like Travelers, offer discounts specifically for eco-friendly cars.
Mention advanced safety features. Be sure your insurer knows about your Prius’ Toyota Safety Sense 3.0 system, IIHS Top Safety Pick+ rating, and other safety features, which may qualify you for more discounts.
Try usage-based insurance. Sign up for a usage-based or telematics program that offers lower rates for good driving habits.
Go paperless for extra savings. Ask about discounts for paperless policies, which is an eco-friendly alternative.
Compare personalized quotes and find the best insurer for your Prius.
As a Prius owner, you probably have questions about how to get the best insurance rates for your hybrid. Here are answers to some of the most common questions from drivers like you.
Not really. The average adult Prius driver pays $144 per month for coverage, which sits below the national average of $163 per month, according to Compare.com data.
USAA consistently offers the lowest Prius insurance rates across all driver profiles, according to Compare.com data. But not everyone qualifies for a USAA policy, since the company serves only the military community and their families. State Farm is the next-lowest option, with an average monthly rate of $100 for a 2026 model.
The average cost to insure a 2025 Toyota Prius is $174 per month, according to Compare.com data. Your actual rate will vary based on factors like your age, location, and driving record. For example, teens pay around $276 per month to cover a 2025 Prius, while seniors pay just $124 per month for the same vehicle.
Our data shows that 4Runners are generally cheaper to insure than other Toyotas. You’ll pay the least to insure a 2000 4Runner, at $96 per month. But if you’d like a newer model, coverage for a 2025 4Runner averages $158 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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