2016 Toyota Prius Car Insurance Calculator

Get real-time feedback how changes to different risk factors impact the cost of car insurance for a 2016 Toyota Prius. Change your location, homeowner status, credit score, and policy coverages plus many other factors. Get instant feedback why rates increase or decrease and by how much.

The average estimated car insurance premium for a 2016 Toyota Prius is $1,644 per year, or about $137 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,644

Cost Per Month

$137

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota Prius Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Toyota Prius.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,644
Average Rate
Your Rate
$1,644

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Toyota Prius trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Toyota Prius is $1,644.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Toyota Prius vs. the Small Car Segment

The table below compares insurance rates for the 2016 Toyota Prius against all other models in the small car segment. The Toyota Prius is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota Prius, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota Prius.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Toyota Prius Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,254-$390
2Chrysler Fiat 500$1,360-$284
3Honda Fit$1,386-$258
4Toyota Yaris$1,394-$250
5Nissan Versa$1,396-$248
6Ford Fiesta$1,408-$236
7Subaru Impreza$1,472-$172
8Scion IM$1,488-$156
9Chevrolet Spark$1,500-$144
10Hyundai Accent$1,504-$140
11Volkswagen Golf$1,518-$126
12Mazda 3$1,538-$106
13Scion IA$1,540-$104
14Honda CR-Z$1,576-$68
15Honda Civic$1,586-$58
16Nissan Sentra$1,590-$54
17Kia Rio$1,612-$32
18Toyota Corolla$1,628-$16
2016 Small Car Average$1,636-$8
19Nissan Leaf$1,642-$2
20Toyota Prius$1,644--
21Hyundai Veloster$1,650$6
22Chevrolet Sonic$1,668$24
23Volkswagen Beetle$1,694$50
24Volkswagen GTI$1,706$62
25Chevrolet Volt$1,708$64
26Chevrolet Cruze$1,712$68
27Volkswagen EOS$1,716$72
28Kia Forte$1,724$80
29Ford Focus$1,744$100
30Hyundai Elantra$1,760$116
31Scion FR-S$1,778$134
32Mitsubishi Lancer$1,838$194
33Volkswagen E-Golf$1,852$208
34Volkswagen Jetta$1,924$280
35Dodge Dart$1,968$324
36Scion TC$2,022$378
37Toyota Mirai$2,036$392

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Prius Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Toyota Prius.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Toyota Prius Insurance Rates by Trim Level
2016 Toyota Prius Trim Level Annual Premium Cost Per Month
C One Hatchback$1,504$125
C Persona Special Hatchback$1,552$129
C Three Hatchback$1,552$129
C Two Hatchback$1,552$129
V Two Station Wagon$1,620$135
C Four Hatchback$1,648$137
Two EcoSedan$1,648$137
Two Sedan$1,648$137
V Four Station Wagon$1,668$139
V Three Station Wagon$1,668$139
Three Sedan$1,698$142
V Five Station Wagon$1,716$143
Four Sedan$1,730$144
Four Touring Sedan$1,730$144
Three Touring Sedan$1,730$144

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Toyota Prius for different driver ages.

2016 Toyota Prius Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,963$497
17$5,741$478
18$5,076$423
19$4,646$387
20$3,540$295
21$3,375$281
22$3,013$251
23$2,497$208
24$2,350$196
25$1,906$159
30$1,744$145
35$1,692$141
40$1,644$137
45$1,544$129
50$1,468$122
55$1,372$114
60$1,374$115
65$1,464$122
70$1,592$133
75$1,888$157
80$2,334$195

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota Prius trim levels.