Toyota Prius Car Insurance Cost 2025
On average, insuring a Toyota Prius costs about $1,363 per year. However, your actual rate may vary depending on factors like your age, the model year of the vehicle, and other personal details. You can use the quote tables below to get a more accurate estimate based on your profile.
We’ve saved shoppers an average of $600 per year on their car insurance.
The Toyota Prius is widely recognized for its fuel efficiency, low emissions, and advanced hybrid technology, making it a top choice for eco-conscious drivers. When it comes to insurance, the Prius is also relatively affordable to cover.
On average, full coverage for a 2025 Toyota Prius costs around $1,363 per year, or roughly $114 per month.
This is lower than the national average for many vehicles in its class, largely due to the Prius’s strong safety ratings and lower-than-average repair costs. While individual premiums vary, the Prius generally remains a budget-friendly option for both driving and insuring.
How Much Does Toyota Prius Car Insurance Cost?
Toyota Prius owners generally pay an average of $1,363 per year for car insurance.
It’s important to understand that car insurance costs can vary widely based on several factors. These include your location, driving history, the model year of your vehicle, and the type of coverage you choose. A clean driving record can help lower your premiums, while a history of accidents or traffic violations may raise them.
Living in a densely populated area with heavy traffic often leads to higher rates compared to quieter, rural locations. The kind of coverage you select also plays a big role—comprehensive insurance, which includes both collision and non-collision coverage, tends to cost more than basic liability coverage.
As shown in the table below, insuring a Toyota Prius is generally less expensive than the average cost of insuring all Toyota models—and even more affordable when compared to the average for all cars. Insuranceopedia can help you compare quotes from multiple providers so you can find the best rate for your situation.
| Vehicle | Average Monthly Premium |
| Toyota Prius | $145 |
| All Toyotas | $163 |
| All Cars | $175 |
Average Insurance Cost Of Toyota Prius By Model Year
| Model Year | Average Premium |
| 2025 Toyota Prius | $1,400 |
| 2024 Toyota Prius | $1,689 |
| 2023 Toyota Prius | $1,319 |
| 2022 Toyota Prius | $931 |
| 2021 Toyota Prius | $802 |
| 2020 Toyota Prius | $1,004 |
| 2019 Toyota Prius | $816 |
| 2018 Toyota Prius | $802 |
| 2017 Toyota Prius | $694 |
| 2016 Toyota Prius | $645 |
| 2015 Toyota Prius | $481 |
| 2014 Toyota Prius | $461 |
| 2013 Toyota Prius | $569 |
| 2012 Toyota Prius | $547 |
| 2011 Toyota Prius | $480 |
| 2010 Toyota Prius | $451 |
2025 Toyota Prius Insurance Rates
The average annual insurance cost for a 2025 Toyota Prius is $1,400. However, USAA offers the cheapest rates, averaging $1,400 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,031 |
| State Farm | $1,101 |
| GEICO | $1,103 |
| Nationwide | $1,340 |
| Travelers | $1,360 |
| Allstate | $1,505 |
| Farmers | $1,581 |
| Progressive | $1,594 |
| Liberty Mutual | $1,680 |
| Esurance | $1,700 |
2024 Toyota Prius Insurance Rates
The average annual insurance cost for a 2024 Toyota Prius is $1,689. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,281 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,577 |
| Unigard | $1,991 |
| Esurance | $1,799 |
| Mercury | $1,715 |
| Texas Farm Bureau Group | $1,281 |
| Capital Insurance Group | $1,571 |
| National General | $1,478 |
| PEMCO | $1,847 |
| California Capital | $1,880 |
| Dairyland | $1,754 |
2023 Toyota Prius Insurance Rates
The average annual insurance cost for a 2023 Toyota Prius is $1,319. However, Safeco offers the cheapest rates, averaging $274 per year.
| Insurance Provider | Average Annual Cost |
| Wolverine Mutual | $1,127 |
| USAA | $1,819 |
| Farm Bureau Ins of MI | $1,712 |
| Hastings Mutual Insurance Co | $1,245 |
| Safeco | $274 |
| New York Central Mutual Fire | $1,132 |
| SECURA Insurance | $832 |
| Auto-Owners Insurance Co | $1,716 |
| California Capital | $1,808 |
| MEEMIC Insurance Company | $1,520 |
2022 Toyota Prius Insurance Rates
The average annual insurance cost for a 2022 Toyota Prius is $931. However, Safeco offers the cheapest rates, averaging $294 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $743 |
| Farm Bureau Mutual (IA Group) | $1,244 |
| New Jersey Manufacturers | $1,186 |
| SECURA Insurance | $923 |
| Safeco | $294 |
| Texas Farm Bureau Group | $798 |
| NatGen Custom 360 | $582 |
| Plymouth Rock Assurance | $1,221 |
| Southern Farm Bureau | $1,235 |
| Dairyland | $1,082 |
2021 Toyota Prius Insurance Rates
The average annual insurance cost for a 2021 Toyota Prius is $802. However, NatGen PPA offers the cheapest rates, averaging $491 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $670 |
| Buckeye Insurance Group | $1,059 |
| Mercury Insurance | $914 |
| Dairyland Broadform | $819 |
| NatGen PPA | $491 |
| Pekin Insurance | $774 |
| SafeAuto | $624 |
| Safeco | $944 |
| MMG Insurance Company | $923 |
| Countryway Insurance | $805 |
2020 Toyota Prius Insurance Rates
The average annual insurance cost for a 2020 Toyota Prius is $1,004. However, SafeAuto offers the cheapest rates, averaging $497 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $936 |
| Wolverine Mutual | $1,209 |
| Ohio Mutual Ins Group | $1,183 |
| SECURA Insurance | $993 |
| SafeAuto | $497 |
| Western Reserve | $981 |
| Buckeye Insurance Group | $758 |
| Plymouth Rock Assurance | $1,146 |
| Celina Insurance Group | $1,202 |
| Safeco | $1,138 |
2019 Toyota Prius Insurance Rates
The average annual insurance cost for a 2019 Toyota Prius is $816. However, Mercury Insurance offers the cheapest rates, averaging $268 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $798 |
| North Carolina Farm Bureau | $1,080 |
| National General Value | $889 |
| SafeAuto | $875 |
| Mercury Insurance | $268 |
| Victoria | $834 |
| Texas Farm Bureau Group | $711 |
| Safeco | $868 |
| Indiana Farmers Mutual Ins | $976 |
| NatGen Custom 360 | $858 |
2018 Toyota Prius Insurance Rates
The average annual insurance cost for a 2018 Toyota Prius is $802. However, Infinity Special offers the cheapest rates, averaging $476 per year.
| Insurance Provider | Average Annual Cost |
| Clearcover | $600 |
| New Jersey Manufacturers | $1,030 |
| Indiana Farmers Mutual Ins | $917 |
| Mercury Insurance | $848 |
| Infinity Special | $476 |
| American National P | $736 |
| Safeco | $538 |
| Texas Farm Bureau Group | $981 |
| Kemper Personal Insurance | $1,022 |
| Buckeye Insurance Group | $874 |
2017 Toyota Prius Insurance Rates
The average annual insurance cost for a 2017 Toyota Prius is $694. However, Infinity Special offers the cheapest rates, averaging $174 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $568 |
| North Carolina Farm Bureau | $975 |
| SECURA Insurance | $894 |
| Mercury Insurance Company | $717 |
| Infinity Special | $174 |
| Mercury Insurance | $598 |
| NatGen Value | $311 |
| AssuranceAmerica Mobile Max | $935 |
| Utica National Ins Group | $973 |
| Buckeye Insurance Group | $794 |
Find Affordable Toyota Prius Insurance Rates
2016 Toyota Prius Insurance Rates
The average annual insurance cost for a 2016 Toyota Prius is $645. However, NatGen Value offers the cheapest rates, averaging $186 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $537 |
| Pure Companies Grp | $855 |
| Norfolk and Dedham Group | $787 |
| Buckeye Insurance Group | $660 |
| NatGen Value | $186 |
| SafeAuto | $658 |
| Safeco | $386 |
| North Carolina Farm Bureau | $806 |
| Pekin Insurance | $842 |
| Plymouth Rock Assurance | $733 |
2015 Toyota Prius Insurance Rates
The average annual insurance cost for a 2015 Toyota Prius is $481. However, Kemper Auto Premier offers the cheapest rates, averaging $212 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Economy | $237 |
| Countryway Insurance | $775 |
| Buckeye Insurance Group | $606 |
| AssuranceAmerica Elite | $372 |
| Kemper Auto Premier | $212 |
| Mercury Insurance | $315 |
| Safeco | $197 |
| American National P | $740 |
| North Carolina Farm Bureau | $738 |
| MMG Insurance Company | $622 |
2014 Toyota Prius Insurance Rates
The average annual insurance cost for a 2014 Toyota Prius is $461. However, Kemper Auto Premier offers the cheapest rates, averaging $133 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $276 |
| Kemper Auto | Infinity | $648 |
| American National P | $610 |
| AssuranceAmerica | $488 |
| Kemper Auto Premier | $133 |
| NatGen PPA | $418 |
| Dairyland Broadform | $210 |
| Buckeye Insurance Group | $594 |
| National General Value | $639 |
| North Carolina Farm Bureau | $598 |
2013 Toyota Prius Insurance Rates
The average annual insurance cost for a 2013 Toyota Prius is $569. However, Safeco offers the cheapest rates, averaging $194 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $452 |
| Dairyland Broadform | $833 |
| Direct Auto | $657 |
| American National P | $555 |
| Safeco | $194 |
| Mercury Insurance | $554 |
| AssuranceAmerica | $322 |
| Buckeye Insurance Group | $715 |
| Kemper Personal Insurance | $741 |
| Kemper Auto Premium | $667 |
2012 Toyota Prius Insurance Rates
The average annual insurance cost for a 2012 Toyota Prius is $547. However, Safeco offers the cheapest rates, averaging $133 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $279 |
| Indiana Farmers Mutual Ins | $804 |
| Pure Companies Grp | $722 |
| NatGen Custom 360 | $605 |
| Safeco | $133 |
| American National P | $450 |
| Mercury Insurance | $267 |
| AssuranceAmerica | $728 |
| Utica National Ins Group | $792 |
| NatGen PPA | $687 |
2011 Toyota Prius Insurance Rates
The average annual insurance cost for a 2011 Toyota Prius is $480. However, Safeco offers the cheapest rates, averaging $104 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $331 |
| SECURA Insurance | $723 |
| Kemper Auto Premier | $624 |
| Kemper Auto Premium | $505 |
| Safeco | $104 |
| American National P | $447 |
| Plymouth Rock | $249 |
| North Carolina Farm Bureau | $618 |
| Utica National Ins Group | $632 |
| Rural Mutual Insurance | $570 |
2010 Toyota Prius Insurance Rates
The average annual insurance cost for a 2010 Toyota Prius is $451. However, Safeco offers the cheapest rates, averaging $160 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $322 |
| American National P | $745 |
| NatGen Value | $494 |
| Kemper Premium | $447 |
| Kemper Personal Insurance | $51 |
| Mercury Insurance | $374 |
| Safeco | $160 |
| Concord Group | $654 |
| NatGen PPA | $755 |
| Union Mutual Fire Group | $505 |
Find Affordable Toyota Prius Insurance Rates
Are Toyota Prius Expensive To Insure?
The Toyota Prius is generally affordable to insure compared to many other vehicles. Its reputation for reliability, strong safety ratings, and hybrid efficiency contribute to lower insurance premiums. The average annual cost for full coverage on a 2025 Toyota Prius is approximately $1,363, or about $114 per month . However, rates can vary based on factors such as the driver’s age, location, driving history, and the specific insurance provider. Overall, the Prius’s combination of safety features and cost-effective design makes it a budget-friendly option for insurance.
Cost of Toyota Prius Car Insurance By Age
Age is a major factor in determining car insurance rates. Teen drivers tend to pay the highest premiums because they’re statistically more likely to be involved in accidents. As you get older and gain more driving experience, your risk decreases—and so do your insurance costs.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,982 | $11,713 | $13,722 |
| 18 | $7,449 | $10,906 | $12,796 |
| 19 | $6,590 | $9,680 | $11,343 |
| 20 | $5,735 | $8,423 | $9,886 |
| 21 | $4,828 | $7,081 | $8,284 |
| 22 | $4,704 | $6,860 | $8,036 |
| 23 | $4,134 | $6,016 | $7,060 |
| 24 | $3,876 | $5,723 | $6,686 |
| 25 | $3,339 | $4,929 | $5,758 |
| 30 | $2,598 | $3,836 | $4,532 |
| 35 | $2,434 | $3,613 | $4,190 |
| 40 | $2,362 | $3,478 | $4,045 |
| 45 | $2,332 | $3,375 | $3,939 |
| 55 | $2,101 | $3,079 | $3,636 |
| 65 | $2,206 | $3,239 | $3,813 |
| 75 | $2,763 | $4,051 | $4,757 |
Toyota Prius Car Insurance Rates By State
Your location has a big impact on how insurance companies determine your rates. Since each state sets its own insurance regulations, premiums can vary—for instance, Michigan drivers often pay more due to stricter coverage requirements. Climate also plays a role, as areas prone to extreme weather like hurricanes, floods, or storms may face higher rates.
Additionally, local crime rates and accident statistics—such as vehicle thefts, collisions, and fatalities—are all factored into your Toyota Prius insurance premium. Insurers use these details to assess the level of risk in your area.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,504 | $3,612 | $4,652 |
| Alaska | $2,091 | $2,877 | $2,831 |
| Arizona | $2,327 | $3,391 | $4,999 |
| Arkansas | $2,574 | $4,066 | $4,454 |
| California | $2,868 | $5,045 | $2,892 |
| Colorado | $2,667 | $3,715 | $4,752 |
| Connecticut | $3,405 | $5,278 | $6,712 |
| Delaware | $2,787 | $3,755 | $4,826 |
| Florida | $3,364 | $4,661 | $6,019 |
| Hawaii | $1,073 | $1,483 | $1,100 |
| Idaho | $1,865 | $2,529 | $3,050 |
| Illinois | $1,980 | $2,991 | $3,413 |
| Indiana | $2,012 | $3,085 | $3,505 |
| Iowa | $1,620 | $2,190 | $2,593 |
| Kansas | $2,154 | $3,136 | $3,656 |
| Kentucky | $3,119 | $4,542 | $5,393 |
| Louisiana | $3,976 | $6,038 | $6,563 |
| Maine | $1,532 | $2,059 | $3,078 |
| Maryland | $2,405 | $3,551 | $3,913 |
| Massachusetts | $1,948 | $3,433 | $1,942 |
| Michigan | $4,697 | $7,154 | $11,373 |
| Minnesota | $1,960 | $2,604 | $3,630 |
| Mississippi | $2,347 | $3,354 | $3,358 |
| Missouri | $2,231 | $3,161 | $4,138 |
| Montana | $2,223 | $3,134 | $3,646 |
| Nebraska | $1,916 | $2,810 | $3,086 |
| Nevada | $3,105 | $4,642 | $4,924 |
| New Hampshire | $2,178 | $3,454 | $4,365 |
| New Jersey | $2,381 | $3,812 | $4,954 |
| New Mexico | $2,415 | $3,623 | $3,791 |
| New York | $2,274 | $2,840 | $4,762 |
| North Carolina | $1,405 | $2,460 | $1,752 |
| North Dakota | $1,932 | $2,954 | $3,429 |
| Ohio | $1,762 | $2,652 | $2,747 |
| Oklahoma | $2,711 | $3,940 | $4,460 |
| Oregon | $2,490 | $3,370 | $4,022 |
| Pennsylvania | $2,068 | $3,087 | $3,640 |
| Rhode Island | $3,523 | $5,129 | $5,819 |
| South Carolina | $2,389 | $3,326 | $4,588 |
| South Dakota | $2,129 | $3,128 | $3,544 |
| Tennessee | $2,522 | $3,731 | $4,925 |
| Texas | $2,528 | $3,616 | $4,543 |
| Utah | $2,184 | $3,041 | $4,157 |
| Vermont | $1,649 | $2,565 | $2,706 |
| Virginia | $1,595 | $2,404 | $2,337 |
| Washington | $2,061 | $2,808 | $3,356 |
| West Virginia | $2,079 | $2,998 | $3,778 |
| Wisconsin | $2,075 | $3,247 | $3,719 |
| Wyoming | $1,953 | $2,716 | $2,848 |
| Georgia | $2,733 | $4,094 | $4,122 |
Cheapest Car Insurance Companies For A Toyota Prius
USAA offers the lowest estimated annual premium at $1,031, though it is limited to military members and their families. State Farm and GEICO are close behind, both providing coverage for around $1,100 annually. Nationwide and Travelers round out the list with premiums just above $1,300 per year. These figures are based on full coverage and assume a standard driver profile, though actual rates may vary depending on individual factors such as location, driving history, and coverage level. This comparison gives Prius owners a useful benchmark to evaluate and compare insurance options.
| Insurance Company | Average Monthly |
| USAA | $86 |
| State Farm | $92 |
| GEICO | $92 |
| Nationwide | $112 |
| Travelers | $113 |
Common Toyota Prius Insurance Discounts
Taking advantage of discounts is a smart way to reduce your car insurance costs. While each insurance company offers its own set of discounts, there are a few common ones worth checking:
-
Multi-policy discount: You can often save by bundling your auto and home insurance with the same provider.
-
Pay-in-full discount: Paying your entire premium upfront, instead of in monthly installments, can lead to savings.
-
Defensive driving discount: Completing a certified defensive driving course may make you eligible for a lower rate.
There may be other discounts you qualify for as well, so it’s a good idea to speak with your insurance agent to explore all your options.
Ways To Save On Toyota Prius Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Toyota Prius insurance costs. Traffic violations like speeding tickets or involvement in accidents can significantly raise your premium. For example, Prius drivers with a ticket typically pay around $80 per month, while those with multiple accidents may see rates jump to an average of $104 per month.
Driving fewer miles each year can also lead to savings. Since low-mileage drivers are on the road less and pose a lower risk, insurers often offer lower rates. Prius owners who drive between 2,501 and 5,000 miles annually pay about $67 per month, while those who drive over 10,000 miles pay slightly more—around $70 per month.
Compare Toyota Prius To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota 4Runner Car Insurance
- Toyota Avalon Car Insurance
- Toyota C-HR Car Insurance
- Toyota Camry Car Insurance
- Toyota Corolla Car Insurance
- Toyota Highlander Car Insurance
- Toyota Land Cruiser Car Insurance
- Toyota RAV4 Car Insurance
- Toyota Sequoia Car Insurance
- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
- Toyota Tacoma Car Insurance
- Toyota Tundra Car Insurance
- Toyota Yaris Car Insurance
- Toyota Mirai Car Insurance
- Toyota Prius C Car Insurance
- Toyota Prius Prime Car Insurance
- Toyota 86 Car Insurance
Our Methodology
To determine average car insurance rates, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full coverage, including $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind, though, that your actual rates may vary based on your personal details.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Prius?
Yes, you’ll need to show proof of insurance before you can drive your Toyota Prius off the dealership lot. The smartest approach is to purchase a policy ahead of time and inform your insurance provider about the upcoming car purchase—rather than opting for coverage offered through the dealership.
How Can You Get The Cheapest Insurance For Your Toyota Prius?
The most effective way to find the lowest insurance rates for your Toyota Prius is to compare quotes from several auto insurance companies. Luckily, Insuranceopedia makes this easy by letting you view and compare offers from multiple providers directly on our website.
