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

Quick Facts

• A Toyota Prius Prime is cheaper to insure than the average car.

• Full coverage car insurance for a Prius Prime tends to be about $162 monthly, on average, while liability only insurance normally comes in at around $58.

• At as low as $42 a month for liability only coverage, NationalGeneral is the most affordable insurance carrier for a Prius Prime.

Prius Prime Overview

With a base price of just $28,220 for 2022 models, the Toyota Prius Prime is a great budget-friendly car for drivers of all types.

Based on thousands of auto insurance quotes from Compare.com, we've found that Toyota Prius Prime car insurance prices are about $142 monthly, on average. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Toyota Prius Prime?

You'll see in the table above that when you compare the Toyota Prius Prime to other vehicles, insurance premiums are right around average. Prius Prime drivers typically pay about $162 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $58 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

Comparing it to other models from Toyota, the Prius Prime's insurance price is matches the rest of the company's vehicle offerings. Compared to offerings from other brands, insurance for a Prius Prime is also more affordable, with liability only insurance rates coming in around $25 less and $15 less for full coverage.

When compared to all vehicles, regardless of make, body style, or model, auto insurance premiums for both liability only and full coverage policies run less expensive than average.

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

Looking for a car insurance policy for your Toyota Prius Prime? You're likely wondering which company offers the most affordable prices. Even though there will never be one carrier that offers the lowest prices for everyone, the cheapest average rates for liability only insurance are as little as just $29 a month from MetroMile. The runner up for lowest rates is TwentyFirstCentury, with insurance policies starting as low as just $32 per month.

Rounding out the list are Apparent, NationalGeneral, and Clearcover. 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 Prime.

After all, your results might be different, since car insurance carriers look at a bunch of different variables when calculating rates. By getting quotes from a variety of auto insurance companies at once, you can guarantee you're finding the cheapest rate.

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

There are many factors that car insurance carriers examine to determine how much they charge you for a policy -- and every company uses a different formula, so there's not a single carrier that's the most affordable for each Prius Prime owner.

Below are just a few of the things auto insurance companies look at and how each one affects your final rate:

Vehicle Age

The Toyota Prius Prime has been around for a few years, so vehicle age will likely play a role in your insurance premium. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Prius Primes begin to depreciate, insurance costs will gradually go lower.

From the table above, you can see the Toyota Prius Prime is inline with this trend, as the cheapest models to insure are those that are 4 to 5 years old, while the most expensive models are Prius Primes that are 1 year old or less, on average.

Your Age

Age makes a significant difference in how much car insurance carriers will charge for insurance. In the table above, you'll see that older drivers pay less for auto insurance than young drivers. Toyota Prius Prime drivers 18 to 24 actually pay $4 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group being 65 years and older for Prius Prime drivers.

Your Gender

Because women are less likely to get tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to offer women more affordable rates. The Toyota Prius Prime is no different, and men pay about $13 more than women monthly for insurance.

Where You Live

You might already know that factors like what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live can matter just as much. Because auto insurance is regulated on a state-by-state basis, rates can differ quite a bit from state to state.

For example, the average Toyota Prius Prime driver from New York pays around $169 per month for liability coverage, while the same owner in California will pay less than 50% of that price, on average.

Toyota Prius Prime Car Insurance Discounts

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

Not every car insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than in monthly installments

These discounts are great, but sometimes, the best way to save isn't through a "discount" at all, but rather by having a favorable driving record and insurance history.

Although you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), there is quite bit in your control. Below are just a few of the things you can use to your advantage in order to save money on insurance:

Your Driving Record

You've no doubt observed ads from car insurance carriers offering hefty discounts for safe drivers. It should be no surprise that if you get into an accident or get tickets, auto insurance premiums will get higher. But you still might be left wondering exactly how much these infractions will cost you.

As you can tell, accidents will usually cost Prius Prime drivers more than tickets, but both will cause a significant increase in rates. Toyota Prius Prime drivers with one ticket will pay about $55 monthly, while drivers with a single accident on their record pay an average of $55 every month. The rates only go up the more tickets you get or collisions you have.

How Much You Drive

How much you drive annually impacts your car insurance rates. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll usually end up spending less on insurance. In the table above, you can see that Toyota Prius Prime owners who drive 10,000 miles or more pay $60 for auto insurance, while those who drive fewer than 2,500 miles each year pay about $47 a month.

If you drive less often than the average driver or work from home, you might consider choosing a usage-based or pay-per-mile insurance policy. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Toyota Prius Primes Compare to Other Vehicles?

If you're considering purchasing a new car and a Toyota Prius Prime is on your shortlist, you might be wondering how it compares to other vehicles. Insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Visit the table below to see how the Toyota Prius Prime compares:

As you can see, a Toyota Prius Prime is a great value when it comes to overall price tag. The Prius Prime goes for $28,220, which is quite a bit lower than the national average vehicle price of $42,283.

Full coverage insurance for a Toyota Prius Prime is about $40 per month more than average, while liability only coverage is more than $20 cheaper per month.

However, it is worth noting that the Prius Prime owners tend to drive their cars less than the average American driver, with only 10,021 annual miles for the average owner.

Toyota Prius Prime Car Insurance Costs by Model Year

You've seen how different factors can have an impact on how much the average driver pays for auto insurance. If you're considering purchasing a new Prius Prime, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

So we've crunched the numbers and broken down Toyota Prius Prime car insurance premiums by model year. Choose a specific Prius Prime model year in the dropdown below and see average rates for both liability only and full coverage, as well as some other helpful info, like the base MSRP, who offers the cheapest policies, which trim levels are offered for each Prius Prime model year.

2022 Toyota Prius Prime Car Insurance

On average, drivers who own a 2022 Prius Prime can expect to pay $57 to $209 monthly for liability only and full coverage auto insurance, respectively.

Looking for the most affordable policy? Aspire offered liability only coverage for as little as $29 a month.

What could your car insurance price look like? Enter your ZIP code below to get a variety of personalized quotes for free.

2021 Toyota Prius Prime Car Insurance

2021 Toyota Prius Prime drivers can expect to pay an average of $54 monthly for liability or $150 for full coverage.

With prices as cheap as $28 per month, Aspire offered the lowest policy we found for the 2021 Toyota Prius Prime.

If you're looking for a more exact figure on what you should pay for insurance for a 2021 Toyota Prius Prime, you can get free quotes in minutes by just entering your ZIP code below.

2020 Toyota Prius Prime Car Insurance

You can expect full coverage for a 2020 Prius Prime to run around $216 a month, while liability only coverage will average about $75 per month.

If you're looking for the cheapest possible 2020 Toyota Prius Prime insurance policy, Aspire offered the cheapest policy we found, with rates sometimes as cheap as $29 a month.

If you want to find the best premiums for car insurance for a 2020 Toyota Prius Prime, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2019 Toyota Prius Prime Car Insurance

It costs around $44 monthly for liability or $138 for a full coverage policy for the 2019 Toyota Prius Prime.

SafeAuto offered the most affordable policy we found, with rates as cheap as just $36 per month.

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.

2018 Toyota Prius Prime Car Insurance

The average cost to insure a 2018 Prius Prime with liability only coverage is $51 monthly, while full coverage runs about $139 a month.

With prices sometimes as little as $22 monthly, MetroMile offered the lowest policy we found.

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

2017 Toyota Prius Prime Car Insurance

2017 Toyota Prius Prime drivers can expect to pay an average of $57 per month for liability or $151 for full coverage.

We found Aspire offered the most affordable policy, with rates sometimes as low as $20 a month.

Interested in what your insurance rate will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing an array of personalized quotes from the nation's top insurance companies.

Toyota Prius Prime Insurance FAQs

Is a Toyota Prius Prime expensive to insure?

Liability insurance runs an average of $58 monthly, while full coverage will cost you around $162. When compared to the national average of all cars, rates come in on the more affordable end of the spectrum.

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

The only way to guarantee you're getting the cheapest price on auto insurance is to check prices regularly and compare quotes from numerous carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a range 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 Prime affect my insurance prices?

You've probably heard the old adage that red cars cost more to insure, but that's actually a myth. There are quite a few variables car insurance carriers consider when they offer you a premium, but the color of your Toyota Prius Prime is not one of them.

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

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) Prius Prime 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 Prime?

You will find a variety of different discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your vehicle and more on you, but if your Prius Prime has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to know is to reach out to your insurance carrier and ask about their list of discounts, since they vary quite a bit from company to company.