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

Quick Facts

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

• Liability car insurance for a Prius C runs around $69 per month, while full coverage generally comes in at about $154 monthly.

• At sometimes as little as $17 per month for liability only coverage, Ohio Mutual is the lowest insurance company for a Prius C.

Prius C Overview

The Toyota Prius C is a great budget-friendly car for drivers of all types, with 2019 models starting at $21,530.

We analyzed thousands of auto insurance quotes on Compare.com, and we've found that average Toyota Prius C insurance premiums run around $143 a month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Toyota Prius C?

In the table above, you'll see that compared to other vehicles on the road, Toyota Prius C insurance rates are about average. On average, Prius C owners will pay around $69 monthly for liability insurance, and about $154 per month for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Compared to other Toyota models, the Prius C's insurance price is on par with the rest of the manufacturer's vehicle offerings. However, compared to other vehicles of a similar body style, Prius C coverage is more affordable than average, with both liability only and full coverage insurance averaging less expensive prices than other cars.

Compared to all vehicles, regardless of model, body style, or make, the Prius C has more affordable rates than average for both full coverage and liability only auto insurance.

Who has the Cheapest Car Insurance for a Toyota Prius C?

If you're browsing for a car insurance policy for a Toyota Prius C, you may be most interested in which carrier offers the lowest rates. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $17 per month from Ohio Mutual. With car insurance sometimes as low as $27 monthly, CaliforniaCasualty is the next cheapest car insurance company.

Completing the top 5 carriers are Mapfre, MetLife, and Shelter Mutual. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance carriers take a bunch of different factors into consideration when calculating monthly prices. By checking quotes from a lot of auto insurance companies at once, you can be confident you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for a Toyota Prius C?

As we mentioned above, there are a bunch of things that car insurance carriers take into account to choose how much they charge you for a policy -- and each carrier weighs different pieces more heavily than others, so there's not one single company that's the cheapest for every driver.

The sections below show an array of variables insurance companies use to calculate rates:

Vehicle Age

The Toyota Prius C has been around for a while, so vehicle age will likely make a big difference in what you end up paying for auto insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Prius Cs begin to depreciate, insurance costs will gradually go lower.

As you can see in the information above, the Toyota Prius C bucks the trend, as the most expensive models to insure are those that are 8 to 10 years old, while on average, the cheapest Prius Cs are 2 to 3 years old.

Your Age

Age makes a difference in how much car insurance carriers will charge you for insurance. Based on the information in the table above, drivers under 18 pay more compared to older Prius C drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group for Prius C drivers being 65 years and older.

Your Gender

Did you know men typically pay more for car insurance than women? This is because men are more likely to get tickets and get into collisions, which raises the chances of an insurance claim. For Prius C drivers, that difference is around $13 a month, with women paying an average of $75 and men looking at around $62.

Where You Live

You might think it's common sense that things like what vehicle you drive and how old you are play a role in your auto insurance premiums, but you may not realize that where you live is equally important. Since insurance is regulated on a state-by-state basis, prices change quite a bit depending on where you live.

For example, the average Toyota Prius C driver in New York pays about $142 per month for liability coverage. Meanwhile, the same owner in California will pay less than half of that price, on average. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

Toyota Prius C Car Insurance Discounts

Regardless of your car, your home state, or your age, using as many discounts as possible when it comes to your car insurance is always important when shopping around for a new policy.

While no two insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)

But these aren't the only discounts auto insurance carriers offer to their customers. Often, the best way to get great rates is to work on your overall insurance profile.

While you may not be able to control every factor car insurance carriers consider to calculate rates (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the factors you can use to your advantage when it comes to saving money:

Your Driving Record

You've no doubt observed ads from auto insurance companies promoting big savings for good drivers. It checks out that if you get into an accident or get a ticket for speeding, insurance prices will get higher. But exactly how much is it going to cost you for these infractions?

As you can tell from the table above, accidents will usually cost Prius C drivers less than tickets, but both will result in higher than average rates. Toyota Prius C drivers with a single accident on their record pay about $73 each month (up $4 from the $69/mo. overall average), while drivers with one ticket will pay an average of $86 a month. Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

Another variable that impacts your auto insurance rates is the amount of miles you drive annually. Drivers who are on the roads less often are more likely to go accident-free, so they'll usually be offered cheaper premiums. Based on the table above, you can see that Toyota Prius C owners who drive 10,000 miles or more pay $65 for car insurance, while those who drive fewer than 2,500 miles every year pay an average of $49 monthly.

If you're one of those drivers who don't put very many miles on your Toyota Prius C each year, it may be worth considering usage-based or pay-per-mile insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Toyota Prius Cs Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Toyota Prius C is on your shortlist, it can pay off to do your homework. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Toyota Prius C compares:

As you can see, a Toyota Prius C is a great value when it comes to overall price tag. The Prius C comes in at $21,530, which is quite a bit lower than the national average vehicle MSRP of $46,099.

Unlike the Prius C's lower price, car insurance rates are slightly higher when compared to other vehicles on the market. Liability insurance for a Toyota Prius C is around $7 per month less than average, while full coverage is over $50 more a month.

When it comes to usage, Toyota Prius C drivers are near the national average in annual miles driven, with 10,993 miles a year compared to 11,660 for all vehicles.

Toyota Prius C Car Insurance Costs by Model Year

You've seen how different variables can have an impact on what you'll pay for insurance. But if you're thinking about buying a new vehicle and the Prius C is one you're considering, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your choices.

For this reason, we've crunched the numbers and broken down Toyota Prius C auto insurance premiums by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options. You'll also find some other helpful info, like available trims, base price, and even the cheapest insurance carrier for each year the Prius C has been around.

2019 Toyota Prius C Car Insurance

The average cost to insure a 2019 Toyota Prius C with liability only coverage is $74 per month, while full coverage runs about $228 monthly.

If you're looking for the cheapest possible 2019 Toyota Prius C insurance policy, MetroMile offered the lowest policy we found, with rates as low as just $49 per month.

While these are good estimates of what the average driver might pay to insure a 2019 Toyota Prius C, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2018 Toyota Prius C Car Insurance

On average, drivers who own a 2018 Prius C can expect to pay $82 to $205 monthly for liability only and full coverage insurance, respectively.

MetroMile has rates as little as $30 a month for the 2018 Toyota Prius C.

What could your auto insurance premium look like? Get a variety of personalized quotes for free by just entering your ZIP code below.

2017 Toyota Prius C Car Insurance

It costs around $54 monthly for liability or $156 for a full coverage policy for the 2017 Toyota Prius C.

With premiums as little as just $33 a month, DirectGeneral offered the most affordable policy we found for the 2017 Toyota Prius C.

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

2016 Toyota Prius C Car Insurance

2016 Prius C drivers can expect to pay an average of $65 per month for liability or $163 for full coverage.

Liberty Mutual offered the cheapest policy we found, with rates sometimes as cheap as $17 a month.

Want something more accurate than nationwide averages? Get lots of customized quotes for free by just entering your ZIP code below.

2015 Toyota Prius C Car Insurance

You can expect full coverage for a 2015 Toyota Prius C to run about $158 per month, while liability only coverage will average around $63 monthly.

Looking for the most affordable policy? MetLife offered liability only coverage for as cheap as $19 a month.

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.

2014 Toyota Prius C Car Insurance

The average cost to insure a 2014 Prius C with liability only coverage is $58 per month, while full coverage runs about $154 monthly.

We found Ohio Mutual offered the lowest policy, with rates as low as $17 per month.

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

2013 Toyota Prius C Car Insurance

On average, drivers who own a 2013 Toyota Prius C can expect to pay $87 to $151 a month for liability only and full coverage car insurance, respectively.

With prices as cheap as just $22 monthly, Liberty Mutual offered the cheapest policy we found.

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

2012 Toyota Prius C Car Insurance

You can expect full coverage for a 2012 Prius C to run around $139 per month, while liability only coverage will average about $64 monthly.

If you're looking for the most affordable 2012 Toyota Prius C insurance policy, ACG offered the lowest policy we found, with rates sometimes as cheap as $18 a month.

If you want to find the best premiums for auto insurance for a 2012 Toyota Prius C, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

Toyota Prius C Insurance FAQs

Is a Toyota Prius C expensive to insure?

The Toyota Prius C is relatively cheap to insure compared to the average car. Liability insurance runs an average of $69 per month, while full coverage will cost you around $154.

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

There's only one way to be sure you're getting the most affordable rates -- regularly shopping around and comparing quotes from a wide array of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a variety of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota Prius C affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car, but that's actually not true. Even though there are many factors car insurance carriers think about when they offer you a premium, the color of your Toyota Prius C is not used to make that determination.

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

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your insurance company know beforehand.

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

You will find tons of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the Prius C you drive, but if your Prius C has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to find out is to get in touch with your insurance carrier and ask about which discounts they offer.