Toyota Prius insurance costs vary by model year, with 2025 models costing around $271 monthly compared to $66 for older versions. Newer Prius models cost more to insure due to their higher market values.
Toyota Prius Insurance Cost
Key Takeaways
GEICO offers the most affordable Toyota Prius insurance on average, though full coverage costs vary widely by model year and company at about $173 monthly. Read more.
Sedans usually cost less to insure than other vehicle types due to lower repair costs and better safety ratings, but the Prius ranks 129th out of 199 sedans for affordability, placing it in the middle tier. Read more.
Your Prius's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Prius model years depending on the age of the drivers.
How Much Is Toyota Prius Insurance?
Looking for another Toyota model? Read more about the cost of Toyota car insurance models.
Insurance rates depend on model year and insurer. Full coverage for a Toyota Prius ranges from $131 monthly with GEICO to $317 with AIG. Minimum coverage runs $60 with GEICO and up to $146 with UAIC.
That's a spread of more than $86 for minimum coverage and $186 for full coverage, a real difference depending on who you go with. Each insurer calculates model-specific risk differently, so comparing quotes is the most reliable way to find a lower rate.
| AAA | $100 | $209 |
| AIG | $128 | $317 |
| Allstate | $117 | $226 |
| Amica | $112 | $228 |
| Chubb | $117 | $234 |
| Farmers | $131 | $231 |
| Geico | $60 | $131 |
| Kemper | $88 | $178 |
| Nationwide | $100 | $173 |
| Progressive | $89 | $166 |
| State Farm | $83 | $173 |
| The Hartford | $92 | $156 |
| Travelers | $77 | $142 |
| UAIC | $146 | $183 |
Is Toyota Prius Expensive to Insure?
It's not the cheapest sedan to insure, but it's far from the most expensive. Among 199 sedans MoneyGeek analyzed, the Prius ranks 129th for affordability, meaning 128 models cost less to insure. It sits just above the Volvo S60 and just below the Cadillac XTS, putting it squarely in the middle of the pack.
That's middle of the pack, but sedans are expensive to insure overall. The Prius ranks 313th out of 827 total cars in our database, placing it in the top half for affordability. The cheapest sedan to insure is the Saturn S-Series, while the Cadillac CTS-V commands the highest premiums.
| Acura RLX | $154 | 126 |
| Cadillac ATS | $154 | 127 |
| Volvo S60 | $154 | 128 |
| BMW 4-series | $154 | 128 |
| Toyota Prius | $157 | 129 |
| Cadillac XTS | $157 | 130 |
| Tesla Model 3 | $157 | 131 |
| Lexus IS | $157 | 132 |
Several factors affect what you'll pay for Toyota Prius insurance:
- Average Repair or Replacement Costs: Toyota Prius repair costs average $679 annually, ranking it 11th among Toyota's 32 models for maintenance affordability. Lower upkeep costs typically translate to lower insurance premiums.
- Vehicle Trim, Features and Accessories: The Toyota Prius produces 121 horsepower with a hybrid drivetrain. Higher trim levels cost more to insure, pricier parts and advanced features raise replacement costs for insurers.
- Driver Profile: Most Toyota Prius drivers are between 35 and 50, with a median age of around 45. That demographic tends to get lower rates because of a longer track record of driving. Younger Prius drivers pay more; see how age affects rates for Toyota Prius owners.
Toyota Prius Insurance Cost by State
Wyoming Prius drivers pay as little as $33 a month for minimum coverage. In Louisiana, that same coverage runs $173. The gap has nothing to do with the car. State-level risk factors and insurance regulations set the floor and ceiling on what you'll pay.
| Alabama | $76 | $145 |
| Alaska | $63 | $135 |
| Arizona | $107 | $199 |
| Arkansas | $72 | $161 |
| California | $85 | $172 |
| Colorado | $84 | $202 |
| Connecticut | $122 | $209 |
| Delaware | $125 | $210 |
| District Of Columbia | $94 | $174 |
| Florida | $122 | $285 |
| Georgia | $130 | $214 |
| Hawaii | $47 | $105 |
| Idaho | $48 | $99 |
| Illinois | $81 | $151 |
| Indiana | $57 | $112 |
| Iowa | $50 | $120 |
| Kansas | $63 | $148 |
| Kentucky | $108 | $184 |
| Louisiana | $173 | $371 |
| Maine | $46 | $96 |
| Maryland | $136 | $229 |
| Massachusetts | $89 | $190 |
| Michigan | $139 | $268 |
| Minnesota | $74 | $155 |
| Mississippi | $79 | $156 |
| Missouri | $102 | $203 |
| Montana | $62 | $148 |
| Nebraska | $65 | $147 |
| Nevada | $156 | $282 |
| New Hampshire | $62 | $110 |
| New Jersey | $146 | $241 |
| New Mexico | $71 | $159 |
| New York | $110 | $198 |
| North Carolina | $73 | $144 |
| North Dakota | $54 | $118 |
| Ohio | $67 | $129 |
| Oklahoma | $82 | $181 |
| Oregon | $105 | $184 |
| Pennsylvania | $79 | $185 |
| Rhode Island | $109 | $194 |
| South Carolina | $89 | $167 |
| South Dakota | $48 | $148 |
| Tennessee | $68 | $138 |
| Texas | $110 | $226 |
| Utah | $95 | $161 |
| Vermont | $41 | $97 |
| Virginia | $83 | $135 |
| Washington | $81 | $151 |
| West Virginia | $76 | $155 |
| Wisconsin | $57 | $126 |
| Wyoming | $33 | $102 |
Toyota Prius Costs by Model Year and Insurance Company
A 35- to 55-year-old driver pays about $230 monthly for full coverage on a 2025 Toyota Prius, versus around $157 for a 2016 model, a $73 spread driven by the newer vehicle's higher replacement cost.
Teen and early-20s drivers pay steeper rates regardless of model year. Among major insurers, Travelers posts the lowest average premiums for the Prius. Getting a competing quote could cut your annual cost by more than you'd expect.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Toyota Prius
| Geico | $87 | $190 |
| Travelers | $96 | $177 |
| National General | $101 | $207 |
| State Farm | $108 | $225 |
| Kemper | $112 | $226 |
| Nationwide | $114 | $198 |
| Progressive | $120 | $225 |
| The Hartford | $126 | $214 |
| AAA | $134 | $279 |
| Allstate | $146 | $281 |
| Amica | $154 | $315 |
| Chubb | $173 | $345 |
| AIG | $173 | $435 |
| UAIC | $184 | $232 |
| Farmers | $184 | $325 |
Cost of Car Insurance for 2024 Toyota Prius
| Geico | $78 | $170 |
| Travelers | $86 | $159 |
| National General | $91 | $186 |
| State Farm | $97 | $202 |
| Kemper | $101 | $203 |
| Nationwide | $103 | $178 |
| Progressive | $108 | $202 |
| The Hartford | $113 | $192 |
| AAA | $121 | $250 |
| Allstate | $131 | $252 |
| Amica | $138 | $283 |
| Chubb | $155 | $309 |
| AIG | $155 | $390 |
| UAIC | $165 | $208 |
| Farmers | $165 | $291 |
Cost of Car Insurance for 2023 Toyota Prius
| Geico | $70 | $152 |
| Travelers | $77 | $142 |
| National General | $81 | $166 |
| State Farm | $87 | $180 |
| Kemper | $90 | $181 |
| Nationwide | $92 | $159 |
| Progressive | $96 | $181 |
| The Hartford | $101 | $172 |
| AAA | $108 | $224 |
| Allstate | $117 | $225 |
| Amica | $123 | $253 |
| Chubb | $139 | $277 |
| AIG | $139 | $349 |
| UAIC | $148 | $186 |
| Farmers | $148 | $261 |
Cost of Car Insurance for 2022 Toyota Prius
| Geico | $61 | $132 |
| Travelers | $67 | $124 |
| National General | $71 | $145 |
| State Farm | $75 | $157 |
| Kemper | $78 | $158 |
| Nationwide | $80 | $138 |
| Progressive | $84 | $157 |
| The Hartford | $88 | $149 |
| AAA | $94 | $195 |
| Allstate | $102 | $196 |
| Amica | $107 | $220 |
| Chubb | $121 | $240 |
| AIG | $121 | $303 |
| UAIC | $128 | $162 |
| Farmers | $128 | $227 |
Cost of Car Insurance for 2021 Toyota Prius
| Geico | $54 | $118 |
| Travelers | $60 | $110 |
| National General | $63 | $129 |
| State Farm | $67 | $140 |
| Kemper | $70 | $141 |
| Nationwide | $71 | $123 |
| Progressive | $75 | $140 |
| The Hartford | $78 | $133 |
| AAA | $84 | $174 |
| Allstate | $91 | $175 |
| Amica | $96 | $196 |
| Chubb | $108 | $215 |
| AIG | $108 | $271 |
| UAIC | $115 | $144 |
| Farmers | $115 | $202 |
Cost of Car Insurance for 2020 Toyota Prius
| Geico | $48 | $105 |
| Travelers | $53 | $99 |
| National General | $56 | $115 |
| State Farm | $60 | $125 |
| Kemper | $62 | $126 |
| Nationwide | $64 | $110 |
| Progressive | $67 | $125 |
| The Hartford | $70 | $119 |
| AAA | $75 | $155 |
| Allstate | $81 | $156 |
| Amica | $85 | $175 |
| Chubb | $96 | $192 |
| AIG | $96 | $242 |
| UAIC | $102 | $129 |
| Farmers | $102 | $181 |
Cost of Car Insurance for 2019 Toyota Prius
| Geico | $59 | $127 |
| National General | $76 | $155 |
| Travelers | $88 | $163 |
| Progressive | $90 | $167 |
| Kemper | $94 | $191 |
| State Farm | $101 | $211 |
| The Hartford | $103 | $176 |
| AAA | $109 | $226 |
| Nationwide | $116 | $201 |
| Allstate | $118 | $228 |
| Amica | $120 | $246 |
| Chubb | $122 | $244 |
| AIG | $135 | $338 |
| UAIC | $142 | $178 |
| Farmers | $157 | $277 |
Cost of Car Insurance for 2018 Toyota Prius
| Geico | $59 | $127 |
| National General | $75 | $154 |
| Travelers | $89 | $164 |
| Progressive | $91 | $169 |
| Kemper | $94 | $192 |
| State Farm | $102 | $212 |
| The Hartford | $103 | $175 |
| AAA | $109 | $226 |
| Nationwide | $118 | $204 |
| Allstate | $119 | $230 |
| Chubb | $119 | $238 |
| Amica | $119 | $245 |
| AIG | $135 | $335 |
| UAIC | $142 | $177 |
| Farmers | $158 | $278 |
Cost of Car Insurance for 2017 Toyota Prius
| Geico | $55 | $119 |
| National General | $70 | $144 |
| Travelers | $84 | $155 |
| Progressive | $88 | $165 |
| Kemper | $93 | $189 |
| State Farm | $96 | $199 |
| The Hartford | $98 | $168 |
| AAA | $102 | $212 |
| Amica | $111 | $229 |
| Allstate | $113 | $218 |
| Chubb | $116 | $232 |
| Nationwide | $118 | $204 |
| AIG | $130 | $325 |
| UAIC | $137 | $170 |
| Farmers | $143 | $252 |
Cost of Car Insurance for 2016 Toyota Prius
| Geico | $53 | $114 |
| National General | $64 | $131 |
| Travelers | $75 | $137 |
| State Farm | $76 | $157 |
| Progressive | $82 | $152 |
| The Hartford | $88 | $150 |
| Kemper | $89 | $178 |
| AAA | $93 | $191 |
| Allstate | $100 | $194 |
| Amica | $102 | $209 |
| Nationwide | $107 | $184 |
| Chubb | $115 | $227 |
| Farmers | $116 | $204 |
| AIG | $120 | $297 |
| UAIC | $141 | $176 |
Toyota Prius Insurance Cost by Trim
Toyota Prius insurance costs vary by trim, from $271 monthly for full coverage on high-performance XSE Premium variants to $71 for minimum coverage on basic III Hatchback 4D models. Performance features and market value determine where your specific trim falls in this range.
| Iii Hatchback 4d | $71 | $137 |
| Ii Hatchback 4d | $72 | $138 |
| Standard Hatchback 4d | $75 | $146 |
| L Eco Hatchback 4d | $75 | $146 |
| I Hatchback 4d | $76 | $146 |
| 20th Anniversary Edition Hatchback 4d | $76 | $148 |
| Touring Hatchback 4d | $78 | $150 |
| Le Hatchback 4d | $79 | $153 |
| Iv Hatchback 4d | $80 | $156 |
| Xle Hatchback 4d | $81 | $157 |
| Five Hatchback 4d | $81 | $157 |
| V Hatchback 4d | $82 | $158 |
| Nightshade Edition Hatchback 4d | $85 | $165 |
| Hatchback 4d | $85 | $164 |
| Persona Series Special Edition Hatchback 4d | $87 | $168 |
| Sedan 4d | $87 | $167 |
| Advanced Hatchback 4d | $87 | $168 |
| One Hatchback 4d | $90 | $174 |
| Limited Hatchback 4d | $91 | $176 |
| Two Eco Hatchback 4d | $91 | $176 |
| Three Touring Hatchback 4d | $91 | $176 |
| Two Hatchback 4d | $92 | $178 |
| Three Hatchback 4d | $92 | $179 |
| Four Hatchback 4d | $94 | $183 |
| Four Touring Hatchback 4d | $95 | $183 |
| Le | $97 | $189 |
| Xle | $108 | $210 |
| Persona Series Hatchback 4d | $111 | $217 |
| Nightshade | $113 | $219 |
| Se | $117 | $227 |
| Limited | $120 | $233 |
| Xse | $127 | $247 |
| Xse Premium | $139 | $271 |
How to Lower the Cost of Toyota Prius Insurance
These proven strategies help you find better rates on your Toyota Prius insurance:
- 1Choose the Right Coverage
Figure out how much coverage to buy for your Toyota Prius. If you own your vehicle outright, your state's minimum liability plus comprehensive and collision at a $1,000 deductible keeps premiums lower. For stronger protection, step up to 100/300/100 liability with a $500 deductible. Financing or leasing? Lenders typically require 100/300/100 limits, a $500 deductible and gap insurance.
- 2Research Costs and Cheap Companies
Check average auto insurance costs for hybrid vehicles, so you know what a fair rate looks like. From there, you can spot which of the cheapest car insurance companies are actually competitive — and which are just cheap.
- 3Look for More than Just Low Rates
A low car insurance quote doesn't mean much if the insurer is slow to pay claims. Before committing, check J.D. Power satisfaction ratings, BBB complaints and AM Best financial stability scores. Forum feedback on claims processing can also surface problems that formal ratings miss.
- 4Explore Discounts You Qualify For
Prius owners can qualify for a range of car insurance discounts: safe driver, multi-policy, low mileage and safety features. Some insurers also offer a dedicated hybrid discount, worth asking about directly, since it's not always advertised.
- 5Consider Alternative Car Insurance Types
Usage-based programs like Progressive Snapshot and Allstate Drivewise price your premium based on how you actually drive. Prius drivers who already drive conservatively for fuel efficiency tend to score well, and the savings can be substantial. Check each program's specific discount cap before enrolling.
- 6Check Rates Every Year
Pull fresh quotes from several insurers once a year. Your current insurer won't tell you when a competitor drops its prices, and annual comparisons can cut your Toyota Prius premium by up to 24%.
Toyota Prius Insurance Cost: Bottom Line
Toyota Prius insurance runs average in cost, but you'll find decent rates with smart shopping. Compare quotes from multiple insurers, claim available discounts and adjust your coverage options to get better pricing.
Toyota Prius Insurance Rates: FAQ
What is the average cost of car insurance for a Toyota Prius?
Insurance for a Toyota Prius costs $1,072 annually for minimum coverage and $2,076 yearly for full coverage. This makes the Prius relatively affordable to insure compared to other vehicles.
What company has the cheapest car insurance for a Toyota Prius?
GEICO provides the most affordable minimum coverage for a Toyota Prius at $720 annually. The company also offers the best value for full coverage at $1,572 per year.
Are Toyota Prius models expensive to insure?
No, Toyota Prius insurance is not more expensive than most vehicles. Among sedans specifically, this model places 129th out of 199 for affordability, while ranking 313th out of 827 total vehicles we track.
What factors affect insurance costs for Toyota Prius models?
Various elements affect Toyota Prius insurance rates. Your driving record and credit score influence premiums, along with your coverage selections. The Prius actually costs less to insure than most vehicles, with average monthly premiums around $131 compared to higher national averages.
How can I lower Toyota Prius insurance costs?
Compare quotes from multiple insurers since Toyota Prius costs differ between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle with other policies and maintain a clean driving record to get better rates.
How We Determined Toyota Prius Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Toyota Prius insurance costs.
Who We Based These Rates On
These Toyota Prius rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!