How much does Toyota Prius insurance cost?

Toyota Prius car insurance is more expensive than most. Because hybrid cars are made with specific parts, repairs are higher than other cars. Seeking out discounts, maintaining safe driving habits, and reducing claims lower Toyota Prius rates. Toyota Prius insurance rates are $40.26/mo or $483.12/yr. Compare multiple Toyota Prius quotes for the best insurance rates.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 30, 2021

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The Rundown

  • Toyota Prius insurance is more expensive than insurance for gas-powered cars
  • Driver’s age, personal driving history, and more affect Toyota Prius insurance rates
  • Discounts help minimize Toyota Prius insurance rates

Hybrid and electric cars are growing in popularity as they become available to more drivers. However, hybrid and electric vehicles, such as the Toyota Prius hybrid, may cost more to insure despite their eco-friendly design.

If you are looking to insure a Toyota Prius, make sure to compare multiple car insurance companies and their rates. Comparison shopping allows you to narrow down your option to only the best insurance companies for you.

Keep reading to learn more about insuring a Toyota Prius, including insurance rates, discounts, and more.

Before jumping in, enter your ZIP code into our free online tool to get instant insurance rate comparisons for your Toyota Prius from companies in your area.

How much does Toyota Prius insurance cost?

Like other hybrid vehicles, insurance for a Toyota Prius is higher than other cars. Although these cars prove beneficial in many ways compared with gas-powered cars, their higher-valued parts may be reflected in higher rates.

The following table includes monthly car insurance rates for a Prius from GEICO and Progressive.

Monthly Toyota Prius Car Insurance Rates from GEICO and Progressive
StateGEICOProgressive
Maine$56.57$263.83
Louisiana$40.26$102.25
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Compared with the national average car insurance rates, $78.65 a month or $943.80 a year, Toyota Prius rates are moderately priced considering the model’s value.

We recommend comparing at least three car insurance companies, looking at their policies and rates alike. Comparing policies and rates will help you find the best car insurance companies and policies for your Toyota Prius.

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What affects Toyota Prius insurance rates?

As with every other car model, various factors affect Toyota Prius insurance rates. General factors influence car insurance rates, in addition to specific factors of a car’s make and model.

Some general factors that influence car insurance rates, both negatively and positively, include:

  • Your age
  • Your gender
  • Your geographic location
  • Your personal driving history
  • The number of claims you’ve made

Information about your specific vehicle, such as accident or repair history, will also affect your car insurance rates. For example, cars that have previously been in an accident may have higher insurance rates than those without an accident history.

Some specific factors that influence insurance rates for a Toyota Prius are:

  • Strong crash test ratings
  • Advanced driver assistance features

Although there are many great features to a Toyota Prius and other hybrid vehicles, a few general things can negatively impact insurance rates for your Prius.

Aftermarket modifications made to your Prius following an accident may yield higher insurance rates. In addition, because the original manufacturer does not make aftermarket parts, these may require different coverage.

If your Prius was previously involved in an accident and was repaired with aftermarket parts, expect a change in your insurance coverage.

Similarly, hybrid cars are naturally built with unique parts to serve their economically considerate function. However, with special parts, a specific repair service is needed, which results in more payout from the insurance company.

Toyota Prius models have a terrific fuel economy, which will likely reflect your insurance rates positively. For example, in newer models, Toyota Prius MPG is 58 city and 53 highway.

How can I lower Toyota Prius insurance costs?

Because of their unique parts, hybrid cars, including the Toyota Prius, may require higher insurance rates than other gas-powered cars. However, there are still some ways you can save on your insurance rates for a Toyota Prius.
First and foremost, the best way you can save on your car insurance is through discounts. Almost every car insurance company has a variety of discounts available for their customers.

There are a few popular insurance discounts you can ask for, including:

  • Low mileage
  • Married couple
  • Good student

Some car insurance companies even offer discounts for hybrid vehicles. Many hybrid drivers are considered among insurance companies’ preferred risk categories.

Although their unique parts may result in higher insurance rates, there are plenty of ways in which you can keep them manageable.

As you search for insurance, be sure to compare car insurance quotes for your Toyota Prius from at least three companies. You want to get the best deal for your coverage and use as many discounts as you can.

Toyota Prius Insurance: the Bottom Line

The Toyota Prius hatchback is among the best hybrids, along with the Honda Accord and the Toyota Camry.

Insuring a Toyota Prius is generally more expensive than most for a few reasons. First, the parts used to make them are specific to hybrid cars, which drives up the price of repairs and insurance rates.

Although Toyota Prius rates are more expensive than most, there are ways to keep your insurance rates affordable. Maintaining safe driving habits, seeking out discounts, and keeping claims to a minimum are all effective steps to lower your insurance rates.

Comparing multiple companies before buying insurance is another effective way to minimize your Toyota Prius insurance rates. Having at least three quotes from different companies allows you to find the plan that best fits your needs at an affordable price.

Ready to buy insurance for your Toyota Prius? Enter your ZIP code into our free online tool for instant car insurance quotes from companies in your area.

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