Toyota Prius Insurance Rates for 2023

How much does Toyota Prius insurance cost? We compare rates from the LE trim up to the Prime XSE Premium to see how prices compare to other compact cars.

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  • Toyota Prius insurance rates cost an average of $1,662 per year, $831 for a 6-month policy, or $139 per month.
  • With the cheapest insurance rates, the Prius LE trim level costs an estimated $1,548 per year to insure. At the high end, the Prius Prime XSE Premium is the most expensive to insure at $1,756 for an annual policy.
  • The Toyota Prius is one of the cheaper small cars to insure, costing $95 less per year on average when compared to all 15 competitors.

How much does Toyota Prius insurance cost?

Toyota Prius insurance cost averages $1,662 annually for full coverage, or $139 monthly. You can expect to pay about $95 less per year to insure a Toyota Prius compared to the average rate for small cars, and $23 less per year than the all-vehicle national average of $1,685.

Average monthly payments for car insurance on a 2023 Toyota Prius range from $129 to $146, 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.

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Chart Data Details: Chart shows average insurance cost for a 2023 Toyota Prius with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Toyota Prius trim levels.Data last updated on January 23, 2023
Toyota Prius Insurance Cost Summary
Toyota Prius Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,778$232
$500$3,300$275
$250$3,850$321
30$1,000$1,464$122
$500$1,756$146
$250$2,062$172
40$1,000$1,396$116
$500$1,662$139
$250$1,942$162
50$1,000$1,274$106
$500$1,514$126
$250$1,768$147
60$1,000$1,250$104
$500$1,486$124
$250$1,734$145

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 $1,486 up to the average rate for a 20-year-old driver of $3,300 per year, a range of $1,814 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 $5,884 while a 16-year-old female would pay about $5,178. By age 18, rates drop to around $5,158 for males and $4,478 for female drivers.

The next table breaks down average Toyota Prius car insurance cost from the first 2010 model to the newest 2023 model. Average monthly insurance rates for a Prius range from $88 to $139 for a full coverage insurance policy.

Toyota Prius Insurance Cost for 2010-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Toyota Prius$1,662$831$139
2022 Toyota Prius$1,652$826$138
2021 Toyota Prius$1,612$806$134
2020 Toyota Prius$1,590$795$133
2019 Toyota Prius$1,546$773$129
2018 Toyota Prius$1,488$744$124
2017 Toyota Prius$1,464$732$122
2016 Toyota Prius$1,360$680$113
2015 Toyota Prius$1,284$642$107
2014 Toyota Prius$1,218$609$102
2013 Toyota Prius$1,222$611$102
2012 Toyota Prius$1,198$599$100
2011 Toyota Prius$1,174$587$98
2010 Toyota Prius$1,150$575$96

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Toyota Prius Insurance Rates by Model Year

Which Prius models have the cheapest insurance?

The cheapest trim levels of Toyota Prius to insure are the LE and LE AWD at $1,548 per year. The most expensive models of Prius to insure are the Prime XSE Premium at $1,756 and the Limited AWD at $1,726 per year. Those two trim levels will cost an extra $208 and $178 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 2023 Toyota Prius model trim level.

2023 Toyota Prius Insurance Cost by Trim Level
Toyota Prius Trim Level Annual Policy 6-month Policy Per Month
LE$1,548$774$129
LE AWD$1,584$792$132
XLE$1,630$815$136
Prime SE$1,656$828$138
XLE AWD$1,662$831$139
Limited$1,700$850$142
Prime XSE$1,706$853$142
Limited AWD$1,726$863$144
Prime XSE Premium$1,756$878$146

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Toyota Prius, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Toyota Prius Insurance Cost by Trim Level

How does Prius insurance cost rank?

The Toyota Prius ranks sixth out of 15 total comparison vehicles in the 2023 compact car segment. The Prius costs an average of $1,662 per year for full coverage insurance, while the segment average rate is $1,757 annually, a difference of $95 per year.

When average rates are compared to popular vehicles in the small car segment, insurance for a Toyota Prius costs $66 less per year than the Honda Civic, $6 more than the Toyota Corolla, $26 more than the Nissan Sentra, and $266 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 cost for all 15 vehicles in the compact class for the 2023 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Toyota Prius, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota Prius trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Toyota Prius vs Top 10 Small Cars Insurance Cost Comparison
Toyota Prius Insurance Cost Compared to All Small Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,462-$200
2Volkswagen Jetta$1,610-$52
3Nissan Sentra$1,636-$26
4Toyota Corolla$1,656-$6
5Volkswagen Golf$1,660-$2
6Toyota Prius$1,662--
7Mazda 3$1,690$28
8Honda Civic$1,728$66
9Kia Forte$1,730$68
10Mitsubishi Mirage G4$1,738$76
11Nissan Leaf$1,778$116
12Nissan Versa$1,882$220
13Hyundai Elantra$1,928$266
14Toyota GR Corolla$2,004$342
15Toyota Mirai$2,190$528

Average Prius insurance rates by U.S. city

Depending on your address, insurance rates on a Prius vary significantly, from cheaper premiums like $1,040 a year in Raleigh, NC, or $1,176 in Charlotte, NC, to higher rates like $2,398 a year in Miami, FL, and $2,602 in Philadelphia, PA.

Insurance rates on a Toyota Prius in some other large cities include Phoenix, AZ, at $1,828 per year, El Paso, TX, at $1,486, Seattle, WA, at an estimated $1,692, and Tulsa, OK, costing $2,004.

The following chart shows average car insurance rates for a Toyota Prius for the largest cities in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Toyota Prius, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Toyota Prius trim levels.Data last updated on January 23, 2023
Toyota Prius Insurance Rates in Large U.S. Cities
Toyota Prius Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,930$244
Philadelphia, PA$2,602$217
Las Vegas, NV$2,594$216
Los Angeles, CA$2,588$216
San Francisco, CA$2,240$187
Kansas City, MO$1,994$166
Oklahoma City, OK$1,994$166
Denver, CO$1,956$163
Memphis, TN$1,956$163
Atlanta, GA$1,930$161
San Jose, CA$1,876$156
Phoenix, AZ$1,828$152
Portland, OR$1,802$150
San Diego, CA$1,792$149
Boston, MA$1,786$149
Jacksonville, FL$1,782$149
Chicago, IL$1,730$144
Dallas, TX$1,706$142
Houston, TX$1,698$142
Seattle, WA$1,692$141
Nashville, TN$1,630$136
Milwaukee, WI$1,620$135
Albuquerque, NM$1,590$133
San Antonio, TX$1,540$128
Omaha, NE$1,496$125
Fort Worth, TX$1,486$124
Austin, TX$1,470$123
Indianapolis, IN$1,338$112
Columbus, OH$1,232$103
Charlotte, NC$1,176$98

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 $266 per year for a 40-year-old driver and $522 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 $280 per year for a 40-year-old driver and $550 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 $50 and $178 on your annual Prius insurance bill.
  • Driver gender influences rates. For a 2023 Toyota Prius, a 20-year-old male driver will pay an estimated rate of $3,300 per year, while a 20-year-old female driver will pay $2,446, a difference of $854 per year. The females get the cheaper rate by far. But by age 50, the rate for males is $1,514 and the cost for women is $1,484, a difference of only $30.
  • 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 $261 per year versus a slightly lower credit score between 670-739. Conversely, a less-than-good credit score could cost as much as $302 more per year.
  • The cost to insure teen drivers is expensive. Average Prius insurance costs $5,884 per year for a 16-year-old driver, $5,516 per year for a 17-year-old driver, and $5,158 per year for a 18-year-old driver.