- Toyota Prius insurance rates cost an average of $2,242 per year, $1,121 for a 6-month policy, or $187 per month.
- With the cheapest insurance rates, the Prius LE trim level costs an estimated $2,078 per year to insure. At the high end, the Prius Prime XSE Premium is the most expensive to insure at $2,386 for an annual policy.
- The Toyota Prius is one of the cheaper small cars to insure, costing $129 less per year on average when compared to all 15 competitors.
How much does Toyota Prius insurance cost?
Toyota Prius insurance cost averages $2,242 annually for full coverage, or $187 monthly. You can expect to pay about $129 less per year to insure a Toyota Prius compared to the average rate for small cars, and $34 less per year than the all-vehicle national average of $2,276.
Average monthly payments for car insurance on a 2024 Toyota Prius range from $173 to $199, with the LE being cheapest and the Prime XSE Premium costing the most to insure.
The following chart details how average Prius insurance rates change based on the age of the rated driver and coverage deductibles.
As with all auto insurance policies, the higher the deductibles, the lower the policy costs. In the chart above, Prius insurance rates range from an average rate for a 60-year-old driver of $1,860 up to the average rate for a 20-year-old driver of $4,472 per year, a range of $2,612 per year.
Expect to pay much higher rates when insuring a teen driver on a Toyota Prius. As an example, a 16-year-old male driver with a clean driving record would pay around $7,863 while a 16-year-old female would pay about $7,348. By age 18, rates drop to around $6,861 for males and $6,327 for female drivers.
The next table breaks down the average Toyota Prius car insurance cost from the first 2010 model to the newest 2024 model. Average monthly insurance rates for a Prius range from $88 to $187 for a full coverage insurance policy.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Toyota Prius | $2,242 | $187 |
| 2023 Toyota Prius | $2,202 | $184 |
| 2022 Toyota Prius | $2,188 | $182 |
| 2021 Toyota Prius | $2,136 | $178 |
| 2020 Toyota Prius | $2,074 | $173 |
| 2019 Toyota Prius | $1,998 | $167 |
| 2018 Toyota Prius | $1,894 | $158 |
| 2017 Toyota Prius | $1,852 | $154 |
| 2016 Toyota Prius | $1,682 | $140 |
| 2015 Toyota Prius | $1,578 | $132 |
| 2014 Toyota Prius | $1,508 | $126 |
| 2013 Toyota Prius | $1,508 | $126 |
| 2012 Toyota Prius | $1,478 | $123 |
| 2011 Toyota Prius | $1,448 | $121 |
| 2010 Toyota Prius | $1,419 | $118 |
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 Toyota Prius trim levels for each model year. Updated October 24, 2025
Which Prius models have the cheapest insurance?
The cheapest trim levels of Toyota Prius to insure are the LE and LE AWD at $2,078 per year. The most expensive models of Prius to insure are the Prime XSE Premium at $2,386 and the Prime XSE at $2,318 per year. Those two trim levels will cost an extra $308 and $240 per year, respectively, over the least expensive models.
In most cases, as the vehicle’s cost goes up with added options, the insurance rate seems to go up as well. The next table details the average annual and 6-month insurance policy costs, plus a monthly budget figure, for each 2024 Toyota Prius model trim level.
| 2024 Toyota Prius Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| LE | $2,078 | $173 |
| LE AWD | $2,130 | $178 |
| XLE | $2,194 | $183 |
| XLE AWD | $2,232 | $186 |
| Prime SE | $2,240 | $187 |
| Limited | $2,288 | $191 |
| Limited AWD | $2,318 | $193 |
| Prime XSE | $2,318 | $193 |
| Prime XSE Premium | $2,386 | $199 |
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. Updated October 24, 2025
How does Prius insurance cost rank?
The Toyota Prius ranks sixth out of 15 total comparison vehicles in the 2024 compact car segment. The Prius costs an average of $2,242 per year for full coverage insurance, while the segment average rate is $2,371 annually, a difference of $129 per year.
When average rates are compared to popular vehicles in the small car segment, insurance for a Toyota Prius costs $118 more per year than the Honda Civic, $94 less than the Toyota Corolla, $42 more than the Nissan Sentra, and $366 less than the Hyundai Elantra.
The chart below shows how well Prius insurance rates fare against the rest of the models in the top 10 most popular small cars category. Also included is a more comprehensive rate table after the chart detailing insurance costs for all 15 vehicles in the compact class for the 2024 model year.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Toyota GR Corolla | $2,084 | -$158 |
| 2 | Nissan Leaf | $2,100 | -$142 |
| 3 | Honda Civic | $2,124 | -$118 |
| 4 | Nissan Sentra | $2,200 | -$42 |
| 5 | Subaru Impreza | $2,204 | -$38 |
| 6 | Toyota Prius | $2,242 | -- |
| 7 | Toyota Corolla | $2,336 | $94 |
| 8 | Kia Forte | $2,342 | $100 |
| 9 | Nissan Versa | $2,364 | $122 |
| 10 | Mitsubishi Mirage G4 | $2,422 | $180 |
| 11 | Volkswagen Jetta | $2,426 | $184 |
| 12 | Mazda 3 | $2,480 | $238 |
| 13 | Hyundai Elantra | $2,608 | $366 |
| 14 | Volkswagen Golf | $2,650 | $408 |
| 15 | Toyota Mirai | $2,986 | $744 |
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 vehicle from the 2024 model year. Updated October 24, 2025
Average Prius insurance rates by U.S. city
Depending on your address, insurance rates on a Prius vary significantly, from cheaper premiums like $1,746 a year in Raleigh, NC, or $1,880 in Charlotte, NC, to higher rates like $2,924 a year in Miami, FL, and $3,270 in Philadelphia, PA.
Insurance rates on a Toyota Prius in some other large cities include Phoenix, AZ, at $2,512 per year, El Paso, TX, at $2,182, Seattle, WA, at an estimated $2,382, and Tulsa, OK, costing $2,692.
The following chart shows average car insurance rates for a Toyota Prius for the largest cities in America.
Additional rates and tips
Below are some additional insurance rate estimates and savings tips for different types of situations and driver risk profiles.
- Auto insurance is cheaper with higher deductibles. Increasing deductibles from $500 to $1,000 could save around $364 per year for a 40-year-old driver and $704 per year for a 20-year-old driver.
- The lower deductible you choose, the higher the policy cost. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $380 per year for a 40-year-old driver and $748 per year for a 20-year-old driver.
- Your choice of occupation could earn you discounts. The large majority of auto insurance providers offer discounts for being employed in occupations like engineers, college professors, doctors, high school and elementary teachers, scientists, architects, and others. If your job can earn you this discount, you could save between $67 and $233 on your annual Prius insurance bill.
- Driver gender influences rates. For a 2024 Toyota Prius, a 20-year-old male driver will pay an estimated rate of $4,472 per year, while a 20-year-old female driver will pay $3,222, a difference of $1,250 per year. The females get the cheaper rate by far. But by age 50, the rate for males is $1,986 and the cost for women is $1,940, a difference of only $46.
- Clean up your credit for better rates. In states that allow a driver’s credit information to be used for the purpose of determining insurance rates, drivers who have credit scores over 800 could experience savings as high as $352 per year versus a slightly lower credit score between 670-739. Conversely, a less-than-good credit score could cost as much as $408 more per year.
- The cost to insure teen drivers is expensive. Average Prius insurance costs $7,863 per year for a 16-year-old driver, $7,631 per year for a 17-year-old driver, and $6,861 per year for an 18-year-old driver.