Toyota Prius Insurance Rates for 2022

How much does Toyota Prius insurance cost? We compare rates from the L and L Eco trims up to the Prime Limited to see how prices compare to other compact cars.

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  • Toyota Prius insurance rates cost an average of $1,512 per year, $756 for a 6-month policy, or $126 per month.
  • With the cheapest insurance rates, the Prius L Eco trim level costs an estimated $1,414 per year to insure. At the high end, the Prius Prime Limited is the most expensive to insure at $1,606 for an annual policy.
  • The Toyota Prius is one of the cheaper small cars to insure, costing $45 less per year on average when compared to all 20 competitors.

How much does Toyota Prius insurance cost?

Toyota Prius insurance cost averages $1,512 annually for full coverage, or $126 monthly. You can expect to pay about $45 less per year to insure a Toyota Prius compared to the average rate for small cars, and $39 less per year than the all-vehicle national average of $1,551.

Average monthly payments for car insurance on a 2022 Toyota Prius range from $118 to $134, with the L Eco being cheapest and the Prime Limited 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 2022 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 April 14, 2022
Toyota Prius Insurance Cost Summary
Toyota Prius Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,532$211
$500$3,012$251
$250$3,518$293
30$1,000$1,334$111
$500$1,600$133
$250$1,878$157
40$1,000$1,268$106
$500$1,512$126
$250$1,768$147
50$1,000$1,160$97
$500$1,380$115
$250$1,608$134
60$1,000$1,138$95
$500$1,356$113
$250$1,580$132

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 $1,356 up to the average rate for a 20-year-old driver of $3,012 per year, a range of $1,656 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 $5,368 while a 16-year-old female would pay about $4,720. By age 18, rates drop to around $4,710 for males and $4,088 for female drivers.

The next table breaks down average Toyota Prius car insurance cost from the first 2010 model to the newest 2022 model. Average monthly insurance rates for a Prius range from $88 to $126 for a full coverage insurance policy.

Toyota Prius Insurance Cost for 2010-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Toyota Prius$1,512$756$126
2021 Toyota Prius$1,472$736$123
2020 Toyota Prius$1,442$721$120
2019 Toyota Prius$1,410$705$118
2018 Toyota Prius$1,366$683$114
2017 Toyota Prius$1,360$680$113
2016 Toyota Prius$1,254$627$105
2015 Toyota Prius$1,198$599$100
2014 Toyota Prius$1,128$564$94
2013 Toyota Prius$1,126$563$94
2012 Toyota Prius$1,103$552$92
2011 Toyota Prius$1,081$541$90
2010 Toyota Prius$1,060$530$88

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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 March 13, 2022
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 L Eco and L at $1,414 per year. The most expensive models of Prius to insure are the Prime Limited at $1,606 and the Limited at $1,588 per year. Those two trim levels will cost an extra $192 and $174 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 2022 Toyota Prius model trim level.

2022 Toyota Prius Insurance Cost by Trim Level
Toyota Prius Trim Level Annual Policy 6-month Policy Per Month
L Eco$1,414$707$118
L$1,444$722$120
LE$1,446$723$121
LE AWD-e$1,476$738$123
Prime LE$1,504$752$125
XLE$1,512$756$126
Nightshade Edition$1,526$763$127
XLE AWD-e$1,532$766$128
Prime XLE$1,540$770$128
Nightshade Edition AWD-e$1,550$775$129
Limited$1,588$794$132
Prime Limited$1,606$803$134

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 March 13, 2022
Toyota Prius Insurance Cost by Trim Level

How does Prius insurance cost rank?

The Toyota Prius ranks #10 out of 20 total comparison vehicles in the 2022 compact car segment. The Prius costs an average of $1,512 per year for full coverage insurance, while the segment average rate is $1,557 annually, a difference of $45 per year.

When average rates are compared to popular vehicles in the small car segment, insurance for a Toyota Prius costs $14 more per year than the Honda Civic, $26 more than the Toyota Corolla, $36 more than the Nissan Sentra, and $194 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 20 vehicles in the compact class for the 2022 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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 March 13, 2022
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$1,312-$200
2Chevrolet Spark$1,320-$192
3Volkswagen Golf$1,456-$56
4Volkswagen Jetta$1,470-$42
5Nissan Sentra$1,476-$36
6Toyota Corolla$1,486-$26
7Kia Rio$1,494-$18
8Honda Civic$1,498-$14
9Mazda 3$1,500-$12
10Toyota Prius$1,512--
11Hyundai Accent$1,530$18
12Hyundai Veloster$1,546$34
13Kia Forte$1,550$38
14Nissan Leaf$1,616$104
15Hyundai Ioniq$1,620$108
16Honda Clarity$1,666$154
17Hyundai Elantra$1,706$194
18Nissan Versa$1,708$196
19Mitsubishi Mirage G4$1,714$202
20Toyota Mirai$1,956$444

How does where I live impact insurance cost?

Depending on your address, insurance rates on a Prius vary significantly, from cheaper premiums like $950 a year in Raleigh, NC, or $1,088 in Charlotte, NC, to higher rates like $2,942 a year in Miami, FL, and $2,538 in Philadelphia, PA.

Insurance rates on a Toyota Prius in some other large cities include Phoenix, AZ, at $1,748 per year, El Paso, TX, at $1,402, Seattle, WA, at an estimated $1,610, and Tulsa, OK, costing $1,934.

The following chart shows average car insurance rates for a Toyota Prius for the largest cities in America. The average yearly cost ranges from $1,144 per year in Columbus, OH, to $2,872 in New York, NY, a range of $1,728.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 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 March 13, 2022
Toyota Prius Insurance Rates in Large U.S. Cities
Toyota Prius Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,872$239
Philadelphia, PA$2,538$212
Los Angeles, CA$2,524$210
San Francisco, CA$2,170$181
Jacksonville, FL$2,160$180
San Jose, CA$1,800$150
Phoenix, AZ$1,748$146
San Diego, CA$1,714$143
Chicago, IL$1,654$138
Dallas, TX$1,624$135
Houston, TX$1,618$135
Indianapolis, IN$1,532$128
San Antonio, TX$1,458$122
Austin, TX$1,386$116
Columbus, OH$1,144$95

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 $244 per year for a 40-year-old driver and $480 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 $256 per year for a 40-year-old driver and $506 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 $45 and $158 on your annual Prius insurance bill.
  • Driver gender influences rates. For a 2022 Toyota Prius, a 20-year-old male driver will pay an estimated rate of $3,012 per year, while a 20-year-old female driver will pay $2,224, a difference of $788 per year. The females get the cheaper rate by far. But by age 50, the rate for males is $1,380 and the cost for women is $1,352, a difference of only $28.
  • 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 $237 per year versus a slightly lower credit score between 670-739. Conversely, a less-than-good credit score could cost as much as $275 more per year.
  • The cost to insure teen drivers is expensive. Average Prius insurance costs $5,368 per year for a 16-year-old driver, $5,036 per year for a 17-year-old driver, and $4,710 per year for a 18-year-old driver.