Toyota Prius Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Prius costs less than most other cars to insure.

• Full coverage insurance for a Prius tends to be about $146 per month, on average, while liability only insurance typically averages around $70 a month.

• The most affordable auto insurance company for a Prius is Pronto.

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Prius Overview

The Toyota Prius is a great car for all budgets, with a base price of just $28,220 for 2022 models. In addition to it being on the affordable end of the spectrum when it comes to overall price point, it's also a wise choice for your budget when thinking about your future car insurance prices.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that average Toyota Prius auto insurance rates run about $135 per month. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Toyota Prius?

If you look at the table above, you'll see that when you compare the Toyota Prius to other vehicles, insurance premiums are below average. On average, Prius owners will pay around $70 a month for liability insurance, and about $146 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When you compare it to other Toyota models, the Prius is slightly less expensive, with prices more than 5% lower than the rest of the automaker's vehicle offerings. Similarly, coverage for the Prius is more affordable when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive premiums than other cars.

Impressively, they're overall more affordable to insure than the average vehicle, no matter what model, make, or body style they are.

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Who has the Cheapest Car Insurance for a Toyota Prius?

If you're searching for a new auto insurance policy for your Toyota Prius, you may want to know which carrier offers the most affordable premiums. While there will never be one company that offers the lowest rates for everyone, American Family offers the cheapest average rates for liability only coverage, with rates sometimes as little as $17 a month. The runner up for most affordable rates is Commonwealth Casualty, with car insurance policies starting as cheap as $31 per month.

The third, fourth, and fifth carriers on the list are MetLife, Hugo, and Verti. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Toyota Prius.

Insurance carriers take a variety of different things into consideration when calculating how much to charge you. The only way to guarantee you'll find the lowest rates is to compare quotes from several insurance companies.

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What Factors Affect Car Insurance Rates for a Toyota Prius?

There are a variety of variables that auto insurance carriers take a look at to decide how much they charge you for a policy -- and each carrier uses a different formula, so there's not one single company that's the cheapest for everyone.

The sections below show a whole range of variables car insurance companies use to calculate rates:

Vehicle Age

The Toyota Prius has been around for a while, so vehicle age may play a big role in what you end up paying for insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and Priuses begin to depreciate, insurance costs will gradually go lower.

As you can see in the table above, the Toyota Prius is not quite in line with this trend, as the most expensive models to insure are those that are 15 years old or more, while the cheapest Priuses are 1 year old or less, on average.

Your Age

Age plays a role in how much you pay for auto insurance. Based on the information above, teenage Prius drivers have more expensive prices than older drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for Prius drivers.

Your Gender

Men normally pay more for car insurance than women. This is because women are less likely to get into collisions and get tickets, which decreases the chances of an insurance claim. Surprisingly, when it comes to Prius drivers specifically, women and men pay around the same rates monthly for auto insurance.

Where You Live

You may think it's obvious that factors such as what vehicle you drive and how old you are play a role in your car insurance rates, but did you know that where you live can have just as much as an impact? Because insurance is regulated on the state level rather than nationally, premiums can change quite a bit depending on which state you're located in.

For example, the average Toyota Prius driver in New York pays about $160 per month for liability coverage. Meanwhile, on average, the same Californian owner will pay less than half of that price. The table referenced above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change across states.

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Toyota Prius Car Insurance Discounts

Whatever where you live, how old you are, or what car you drive, using as many discounts as possible when it comes to your auto insurance is always important when shopping around for a new policy.

Even though all insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for drivers who agree to pay their entire policy price up front, rather than by monthly payments
• Multi-car discounts for adding more than one vehicle to your auto policy

While these are just a few of the discounts car insurance companies offer, there are countless other ways to save money on you monthly insurance bill. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Although you may not be able to control every factor insurance carriers use to calculate premiums (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the ones you can use to your advantage in order to save money on car insurance:

Your Driving Record

You've probably observed ads from auto insurance companies offering hefty savings for responsible drivers. It should be no surprise that your car insurance prices will increase if you get cited for speeding or get into a collision. But you still might be left wondering exactly how much collisions and moving violations will cost you.

Looking at the table above, you'll see that accidents will usually cost Prius drivers less than tickets, but both will result in above average rates. Toyota Prius drivers with a single accident on their record pay about $81 per month (up $11 from the $70/mo. overall average), while drivers with one ticket will pay an average of $82 monthly. Those who have multiple kinds of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive plays a big role in your auto insurance rates. Those who drive less often have fewer opportunities to get into an accident, so they'll generally be offered lower premiums. Above, you can see that Toyota Prius owners who drive fewer than 2,500 miles each year pay an average of $68 a month for insurance, while those who put 10,000 miles or more on their cars pay $73.

If you happen to be one of those drivers who put very few miles on your Toyota Prius each year, it may be worth getting usage-based or pay-per-mile auto insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Toyota Priuses Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Toyota Prius is on your shortlist, you're probably wondering how it compares to other cars. Auto insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth taking into consideration.

Take a look at the table below to see how the Toyota Prius stacks up:

With an MSRP that's a quarter less than the going rate for a new vehicle, the Toyota Prius is a fantastic value for any budget. The Prius has an MSRP of $28,220, which is much cheaper than the national average vehicle MSRP of $42,283.

In the same fashion, car insurance prices are lower when compared to other vehicles on the market. Liability insurance for a Toyota Prius is around $50 per month less than average, while full coverage is over $50 less monthly.

When it comes to usage, Toyota Prius drivers are pretty close to the national average in annual miles driven, with 11,660 miles every year for all vehicles compared to the Prius's 12,181 a year.

Toyota Prius Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much you might pay for insurance. But if you're considering buying a new vehicle and the Prius is one you're thinking about, having a good idea of exactly what you'll pay can be extremely valuable as you weigh your choices.

For this reason, we've done the heavy lifting and analyzed Toyota Prius car insurance rates by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options. We've also included some other helpful info that might help you make a decision, such as available trims, base price, and even the cheapest insurance company for each year the Prius has been around.

Choose Your Model

2022 Toyota Prius Car Insurance 2021 Toyota Prius Car Insurance 2020 Toyota Prius Car Insurance 2019 Toyota Prius Car Insurance 2018 Toyota Prius Car Insurance 2017 Toyota Prius Car Insurance 2016 Toyota Prius Car Insurance 2015 Toyota Prius Car Insurance 2014 Toyota Prius Car Insurance 2013 Toyota Prius Car Insurance 2012 Toyota Prius Car Insurance 2011 Toyota Prius Car Insurance 2010 Toyota Prius Car Insurance

2022 Toyota Prius Car Insurance

You can expect full coverage for a 2022 Toyota Prius to run about $97 a month, while liability only coverage will average around $31 per month.

Looking for the lowest policy? Aspire offered liability only coverage for as low as $31 monthly.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2021 Toyota Prius Car Insurance

The average cost to insure a 2021 Prius with liability only coverage is $51 per month, while full coverage runs about $124 a month.

With premiums sometimes as cheap as $30 monthly, Aspire offered the cheapest policy we found for the 2021 Toyota Prius.

These average rates are a great starting point if you're in the market for a 2021 Toyota Prius, but there are many factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2020 Toyota Prius Car Insurance

On average, drivers who own a 2020 Toyota Prius can expect to pay $81 to $174 a month for liability only and full coverage insurance, respectively.

With premiums as little as just $32 per month, Mercury offered the most affordable policy we found.

Want to find the best rates? Enter your ZIP code below to get multiple free personalized quotes.

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2019 Toyota Prius Car Insurance

2019 Prius drivers can expect to pay an average of $65 monthly for liability or $161 for full coverage.

Hugo offered the lowest policy we found, with rates as low as just $32 a month.

If you want to know exactly how much you can expect to pay for your Prius, just enter your ZIP code below and get free quotes in minutes.

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2018 Toyota Prius Car Insurance

It costs around $69 per month for liability or $155 for a full coverage policy for the 2018 Toyota Prius.

Hugo has prices as cheap as just $23 monthly for the 2018 Toyota Prius.

Want to know exactly how much you'll pay? Enter your ZIP code below to get lots of free customized quotes.

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2017 Toyota Prius Car Insurance

The average cost to insure a 2017 Prius with liability only coverage is $59 a month, while full coverage runs about $148 per month.

We found American Family offered the most affordable policy, with rates sometimes as low as $17 monthly.

If you want to find the best rates for auto insurance for a 2017 Toyota Prius, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2016 Toyota Prius Car Insurance

On average, drivers who own a 2016 Toyota Prius can expect to pay $77 to $152 a month for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2016 Toyota Prius insurance policy, Commonwealth Casualty offered the cheapest policy we found, with rates as little as $20 per month.

What could your auto insurance premium look like? Enter your ZIP code below to get several personalized quotes for free.

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2015 Toyota Prius Car Insurance

You can expect full coverage for a 2015 Prius to run around $149 a month, while liability only coverage will average about $60 per month.

Looking for the most affordable policy? Ohio Mutual offered liability only coverage for as cheap as just $17 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2014 Toyota Prius Car Insurance

2014 Toyota Prius drivers can expect to pay an average of $65 a month for liability or $146 for full coverage.

With prices sometimes as little as $17 monthly, Hugo offered the cheapest policy we found for the 2014 Toyota Prius.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2013 Toyota Prius Car Insurance

It costs around $64 per month for liability or $147 for a full coverage policy for the 2013 Prius.

If you're looking for the cheapest possible 2013 Toyota Prius insurance policy, Safeco offered the lowest policy we found, with rates sometimes as cheap as $18 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2012 Toyota Prius Car Insurance

On average, drivers who own a 2012 Toyota Prius can expect to pay $65 to $143 per month for liability only and full coverage car insurance, respectively.

With premiums as low as just $18 a month, Infinity offered the cheapest policy we found.

Interested in what your insurance rate could look like? Just enter your ZIP code below to get a variety of free personalized quotes.

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2011 Toyota Prius Car Insurance

The average cost to insure a 2011 Prius with liability only coverage is $66 per month, while full coverage runs about $146 a month.

We found MetLife offered the lowest policy, with rates as low as $17 monthly.

If you want to know exactly how much you can expect to pay for your Prius, get free quotes in minutes by just entering your ZIP code below.

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2010 Toyota Prius Car Insurance

You can expect full coverage for a 2010 Toyota Prius to run around $140 a month, while liability only coverage will average about $70 per month.

Liberty Mutual has prices as little as $16 monthly for the 2010 Toyota Prius.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get lots of free customized quotes.

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Toyota Prius Insurance FAQs

Is a Toyota Prius expensive to insure?

The Toyota Prius is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $70 per month, while full coverage will cost you around $146.

How can I get the best price on car insurance for my Toyota Prius?

The only way to ensure you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from lots of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from an array of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Toyota Prius affect my insurance rates?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually not true. There are multiple things auto insurance carriers examine when they offer you a premium, but your Toyota Prius's color is not factored into that decision.

Do I need to have insurance before I buy a Toyota Prius?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have an auto insurance policy in place. As part of the buying process, some dealerships may offer you an insurance policy, but the best thing to do when buying a an car is to let your insurance carrier know beforehand.

What car insurance discounts can I get for my Toyota Prius?

You will find a bunch of different discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the Prius you drive, but if your Prius has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to be certain is to reach out to your insurance company and ask about which discounts they offer, since they fluctuate quite a bit from company to company.