Toyota Prius insurance costs average $89 monthly for minimum coverage and $173 monthly for full coverage. Depending on your particular trim and model year, costs can range from $61 to $271 monthly for Toyota Prius insurance.
Toyota Prius Insurance Cost
Updated: November 15, 2025
Key Takeaways
Toyota Prius insurance costs range from $89 to $271 monthly, with variation based on trim level and model year.
The Toyota Prius ranks 313th out of 827 vehicle models for insurance affordability in the United States vehicle market.
GEICO offers the cheapest Toyota Prius insurance with full coverage starting at $131 monthly and minimum coverage at $60 monthly.
How Much Is Toyota Prius Insurance?
| Toyota Prius | $89 | $173 |
Toyota Prius Insurance Cost by Model Year
Your Toyota Prius insurance rates depend on your model year and available trims from that production period. Newer models usually cost more because of their higher fair value. Monthly premiums range from $66 for the most affordable coverage to $237 for comprehensive protection across all model years.
| 2025 | $118 | $230 |
| 2024 | $106 | $206 |
| 2023 | $95 | $184 |
| 2022 | $82 | $160 |
| 2021 | $74 | $143 |
| 2020 | $66 | $128 |
| 2019 | $97 | $188 |
| 2018 | $98 | $189 |
| 2017 | $93 | $179 |
| 2016 | $82 | $157 |
| 2015 | $98 | $191 |
| 2014 | $90 | $175 |
| 2013 | $84 | $163 |
| 2012 | $83 | $161 |
| 2011 | $93 | $180 |
| 2010 | $76 | $147 |
| 2009 | $91 | $177 |
| 2008 | $74 | $142 |
| 2007 | $68 | $131 |
| 2006 | $69 | $132 |
| 2005 | $123 | $237 |
| 2004 | $110 | $211 |
| 2003 | $84 | $162 |
| 2002 | $81 | $156 |
| 2001 | $72 | $138 |
Toyota Prius Insurance Cost by Trim
Your Toyota Prius trim impacts insurance rates. Features, rarity and market value create wide premium differences across trim levels. Monthly costs range from $71 to $271 based on which specific Prius model you drive and its insurance risk profile.
| 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 |
Toyota Prius Insurance Cost by Company
Toyota Prius insurance costs vary by provider from $96 to $223 monthly. Minimum coverage ranges from $60 to $146, while full coverage costs $131 to $317. Rates vary due to different risk assessment models.
| GEICO | $60 | $131 |
| Travelers | $77 | $142 |
| State Farm | $83 | $173 |
| Kemper | $88 | $178 |
| Progressive | $89 | $166 |
| The Hartford | $92 | $156 |
| Nationwide | $100 | $173 |
| AAA | $100 | $209 |
| Amica | $112 | $228 |
| Chubb | $117 | $234 |
| Allstate | $117 | $226 |
| AIG | $128 | $317 |
| Farmers | $131 | $231 |
| UAIC | $146 | $183 |
Toyota Prius Insurance Cost by State
Toyota Prius insurance costs vary dramatically by location, ranging from $33 monthly in Wyoming to $371 monthly in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, dramatically affects Toyota Prius insurance costs. Young drivers under 25 pay around $332 monthly on average, while adult drivers between 26-64 enjoy much lower rates at approximately $131 monthly without violations.
| Adult Drivers | $89 | $173 |
| Young Drivers | $228 | $437 |
| Senior Drivers | $119 | $219 |
| Drivers With a Speeding Ticket | $111 | $217 |
| Drivers With an Accident | $132 | $253 |
| Drivers With a DUI | $164 | $314 |
| Drivers With Bad Credit | $212 | $427 |
Is a Toyota Prius Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Toyota Prius ranks 313th out of 827, making it an average car to insure in terms of affordability. Among compact sedans, the model ranks as the third most expensive model.
| Dodge Neon | $55 | $107 |
| Chevrolet Prizm | $63 | $120 |
| Saturn Ion | $65 | $125 |
| Chevrolet Cavalier | $66 | $126 |
| Saturn Astra | $66 | $126 |
| Pontiac Sunfire | $67 | $128 |
| Mitsubishi Mirage | $69 | $133 |
| Chevrolet Cobalt | $71 | $136 |
| Honda Insight | $77 | $150 |
| Lexus CT | $81 | $156 |
| Honda Civic | $82 | $158 |
| Mazda 3 | $83 | $161 |
| Volkswagen Jetta | $83 | $161 |
| Ford Focus | $84 | $162 |
| Subaru Impreza | $85 | $164 |
| Nissan Sentra | $85 | $163 |
| Toyota Corolla | $86 | $167 |
| Kia Borrego | $90 | $173 |
| Chevrolet Cruze | $90 | $173 |
| Lexus HS | $92 | $177 |
| Suzuki Kizashi | $93 | $179 |
| Kia K4 | $92 | $179 |
| Kia Forte | $93 | $180 |
| Dodge Dart | $100 | $193 |
| Hyundai Elantra | $103 | $199 |
| Toyota Prius | $107 | $207 |
| Mitsubishi Lancer | $113 | $218 |
| Subaru WRX | $113 | $219 |
Factors That Affect Toyota Car Insurance Costs
Several factors affect what you'll pay for Toyota Prius insurance coverage:
- **Age (65-67 years median):**Mature drivers with decades of experience receive lower rates than younger demographics, though they're predominantly Baby Boomers often retired.
- **Gender (62% male):**Environmentally conscious buyers prioritize practicality over performance, resulting in safer driving behaviors and lower risk profiles.
- **Income ($96K-$108K average):**Well above average income supports comprehensive coverage and correlates with responsible driving habits and excellent credit scores.
Average Repair or Replacement Costs
Toyota ranks 1st in repair affordability among 59 U.S. automakers with median annual costs of $478. Toyota Prius repair costs average $679 annually, making it one of Toyota's most affordable models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Toyota Prius offers four trim levels (LE, XLE, Nightshade, Limited) all powered by the same 194-horsepower hybrid system (196 hp with AWD). This consistent, moderate powertrain across trims helps maintain stable insurance rates without high-performance variants that spike premiums.
Higher trim levels feature advanced safety technology including Toyota Safety Sense 3.0, Pre-Collision System with Pedestrian Detection, and Dynamic Radar Cruise Control that qualify for insurance discounts. The efficient 0-60 mph time of 7.0-7.2 seconds keeps the Prius in the eco-friendly, not performance, category for insurers.
Fuel Type
The Prius hybrid system combines a 2.0-liter gasoline engine with electric motors, delivering exceptional EPA ratings up to 57/56 MPG city/highway. This hybrid technology provides widespread service availability compared to all-electric vehicles requiring specialized technicians.
While hybrid components add some complexity, Toyota's hybrid system has proven reliable over decades with extensive warranty coverage (10 years/150,000 miles on hybrid components). The mature technology means most service centers can handle routine maintenance, keeping repair costs predictable for insurers.
Location
Toyota Prius owners are distributed nationwide with concentration in environmentally conscious regions, particularly urban and suburban areas where fuel efficiency and eco-friendliness are highly valued. Location affects rates through state regulations, weather risks, and local accident statistics.
Driver Profile
Most Toyota Prius drivers are older, affluent professionals (median age 65-67) with household incomes of $96,429-$108,283, higher than typical compact car buyers ($72,685). This demographic receives excellent insurance rates due to established driving records and financial stability.
Driver demographics affecting Prius rates:
How to Lower the Cost of Toyota Prius Insurance
Below we outline the top Toyota Prius car insurance discount opportunities:
- 1Choose the right coverage
How much coverage you need for your Toyota depends on what it’s worth, how often you drive and what your budget can handle. You can stick with state minimum liability and a $1,000 deductible or upgrade to 100/300/100 with a $500 deductible, and lenders may require gap insurance if the vehicle is financed or leased.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Toyota Prius, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Prius owners can cut their premiums by stacking discounts tied to multi-vehicle households, bundled policies, clean driving records, strong safety tech and hybrid incentives. Since many Prius drivers are older, own homes and lean toward eco-friendly, safety-focused habits, these discounts usually line up easily and make coverage more affordable.
- 5Consider alternative car insurance types
Toyota Prius owners should consider Toyota Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Toyota Prius insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Toyota Prius Insurance Cost: Bottom Line
Insuring a Toyota Prius costs about average, but you can still find cheaper rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Toyota Prius Insurance Rates: FAQ
Here are answers to common questions about insuring a Toyota Prius.
What is the average cost of car insurance for a Toyota Prius?
The Toyota Prius's average annual insurance cost is $1,072 yearly for minimum coverage and $2,076 for full coverage.
What company has the cheapest car insurance for a Toyota Prius?
When shopping for Prius car insurance, GEICO offers the most affordable full coverage with monthly premiums of $131. GEICO also leads for minimum coverage policies, charging just $60 monthly for basic protection.
Is Toyota Prius expensive to insure?
Out of 827 vehicles we track, the Prius ranks 313th for affordability. Among compact sedans, this model is a more expensive vehicle.
What factors affect insurance costs for Toyota Priuss?
Several things drive up your Toyota Prius rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or higher weather risks can raise rates.
How can I lower Toyota Prius insurance costs?
Shop around with multiple insurers as rates vary for Toyotas, and consider usage-based insurance programs that track your driving habits. Take advantage of Toyota's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Toyota Prius Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Toyota Prius insurance costs.
Who We Based These Rates On
These Toyota Prius prices reflect what a typical 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 Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.