Toyota Prius Insurance Cost

Full coverage for a Toyota Prius costs about $1,595 a year ($133/month) by our estimate — ▲ 0% versus the average vehicle, ranking 138th cheapest of 310 current models.

Toyota Prius exterior (photo from Wikimedia Commons) — Photo: M 93, CC BY-SA 3.0 de

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Toyota Prius insurance cost at a glance

Full coverage

$1,595

$133/mo · $1,305–$1,880

Minimum liability

$565

$47/mo

Segment

Compact car

Hybrid, Plug-in hybrid

HLDI collision losses

118

Worse than average (100 = avg)

NHTSA overall

★★★★★

2027 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Toyota Prius.

Estimated Toyota Prius premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$565	$47	$465–$670
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$820	$68	$675–$970
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,595	$133	$1,305–$1,880

What drives the cost of insuring a Toyota Prius

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota Prius's results put our vehicle factor at 0.92× for liability, 1.15× for collision and 1.02× for comprehensive.

HLDI relative insurance losses — Toyota Prius hybrid (Small Four-door cars)
Coverage	Index	Rating	What it measures
Collision	118	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	104	Average	Theft, vandalism, glass, weather and animal damage
Property damage liability	85	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	89	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	107	Worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	119	Worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (3)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Toyota Prius hybrid	118	104	85	89
Toyota Prius hybrid 4WD	105	115	77	—
Toyota Prius Prime plug-in hybrid	109	92	66	—

Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 2 NHTSA recall campaigns and 27 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Toyota Prius trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Prius	FWD	2.0L 4-cyl Hybrid	55
Prius AWD	AWD	2.0L 4-cyl Hybrid	53
Prius AWD XLE/LTD	AWD	2.0L 4-cyl Hybrid	48
Prius XLE/LTD	FWD	2.0L 4-cyl Hybrid	51

Toyota Prius insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.0L 4-cyl Hybrid	AWD, FWD	48–55	$1,595
2026	2.0L 4-cyl Hybrid	AWD, FWD	49–57	$1,560
2025	2.0L 4-cyl Hybrid, 2.0L 4-cyl Plug-in Hybrid	4WD, FWD	48–57	$1,525
2024	2.0L 4-cyl Hybrid, 2.0L 4-cyl Plug-in Hybrid	4WD, FWD	48–57	$1,490
2023	2.0L 4-cyl Hybrid, 2.0L 4-cyl Plug-in Hybrid	4WD, FWD	48–57	$1,455
2022	1.8L 4-cyl Hybrid, 1.8L 4-cyl Plug-in Hybrid	4WD, FWD	49–56	$1,420
2021	1.8L 4-cyl Hybrid, 1.8L 4-cyl Plug-in Hybrid	4WD, FWD	49–56	$1,385
2020	1.8L 4-cyl Hybrid, 1.8L 4-cyl Plug-in Hybrid	4WD, FWD	50–56	$1,350
2019	1.8L 4-cyl Hybrid, 1.8L 4-cyl Plug-in Hybrid	4WD, FWD	50–56	$1,315
2018	1.8L 4-cyl Hybrid, 1.8L 4-cyl Plug-in Hybrid	FWD	52–56	$1,280
2017	1.8L 4-cyl Hybrid, 1.8L 4-cyl Plug-in Hybrid	FWD	52–56	$1,245
2016	1.8L 4-cyl Hybrid	FWD	52–56	$1,210
2015	1.8L 4-cyl Hybrid, 1.8L 4-cyl Plug-in Hybrid	FWD	48–50	$1,205
2014	1.8L 4-cyl Hybrid, 1.8L 4-cyl Plug-in Hybrid	FWD	48–50	$1,205
2013	1.8L 4-cyl Hybrid, 1.8L 4-cyl Plug-in Hybrid	FWD	48–50	$1,205
2012	1.8L 4-cyl Hybrid, 1.8L 4-cyl Plug-in Hybrid	FWD	48–50	$1,205
2011	1.8L 4-cyl Hybrid	FWD	48	$1,205
2010	1.8L 4-cyl Hybrid	FWD	50	$1,205
2009	1.5L 4-cyl Hybrid	FWD	46	$1,205
2008	1.5L 4-cyl Hybrid	FWD	46	$1,205

Toyota Prius insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Prius page for that state.

State	Full coverage	Minimum	vs. national	Prius page
Alabama	$1,405	$440	−12%	Prius in AL
Alaska	$1,405	$575	−12%	Prius in AK
Arizona	$1,665	$610	+4%	Prius in AZ
Arkansas	$1,430	$415	−10%	Prius in AR
California	$1,585	$530	−1%	Prius in CA
Colorado	$1,815	$600	+14%	Prius in CO
Connecticut	$1,680	$655	+5%	Prius in CT
Delaware	$1,745	$740	+9%	Prius in DE
District of Columbia	$2,020	$685	+27%	Prius in DC
Florida	$2,215	$995	+39%	Prius in FL
Georgia	$1,940	$805	+22%	Prius in GA
Hawaii	$1,115	$400	−30%	Prius in HI
Idaho	$1,085	$370	−32%	Prius in ID
Illinois	$1,395	$460	−13%	Prius in IL
Indiana	$1,145	$375	−28%	Prius in IN
Iowa	$1,105	$285	−31%	Prius in IA
Kansas	$1,295	$370	−19%	Prius in KS
Kentucky	$1,335	$485	−16%	Prius in KY
Louisiana	$2,195	$730	+38%	Prius in LA
Maine	$1,025	$390	−36%	Prius in ME
Maryland	$1,780	$695	+12%	Prius in MD
Massachusetts	$1,575	$545	−1%	Prius in MA
Michigan	$1,745	$705	+9%	Prius in MI
Minnesota	$1,345	$435	−16%	Prius in MN
Mississippi	$1,535	$490	−4%	Prius in MS
Missouri	$1,455	$470	−9%	Prius in MO
Montana	$1,295	$360	−19%	Prius in MT
Nebraska	$1,295	$370	−19%	Prius in NE
Nevada	$1,785	$800	+12%	Prius in NV
New Hampshire	$1,145	$370	−28%	Prius in NH
New Jersey	$1,885	$860	+18%	Prius in NJ
New Mexico	$1,440	$480	−10%	Prius in NM
New York	$2,105	$855	+32%	Prius in NY
North Carolina	$1,215	$415	−24%	Prius in NC
North Dakota	$1,050	$255	−34%	Prius in ND
Ohio	$1,150	$375	−28%	Prius in OH
Oklahoma	$1,455	$435	−9%	Prius in OK
Oregon	$1,410	$575	−12%	Prius in OR
Pennsylvania	$1,410	$390	−12%	Prius in PA
Rhode Island	$1,905	$755	+19%	Prius in RI
South Carolina	$1,680	$675	+5%	Prius in SC
South Dakota	$1,255	$290	−21%	Prius in SD
Tennessee	$1,340	$415	−16%	Prius in TN
Texas	$1,900	$635	+19%	Prius in TX
Utah	$1,425	$600	−11%	Prius in UT
Vermont	$1,060	$295	−34%	Prius in VT
Virginia	$1,370	$580	−14%	Prius in VA
Washington	$1,370	$545	−14%	Prius in WA
West Virginia	$1,350	$400	−15%	Prius in WV
Wisconsin	$1,100	$345	−31%	Prius in WI
Wyoming	$1,280	$300	−20%	Prius in WY

Toyota Prius insurance by driver profile

Estimated annual Toyota Prius premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,555	$2,255	$4,385	$365
Young adult (22)	$905	$1,315	$2,550	$213
Adult in their 30s	$565	$820	$1,595	$133
Adult in their 50s	$520	$755	$1,465	$122
Senior (72)	$635	$920	$1,785	$149
30s, one at-fault accident	$820	$1,190	$2,310	$193
30s, DUI on record	$1,045	$1,520	$2,950	$246

Toyota Prius vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Toyota Prius	$1,595	118	104	—
Honda Civic	$1,790	121	88	Compare
Volkswagen Golf	$1,365	—	—	Compare
Chevrolet Cruze	$1,310	—	—	Compare

Estimate Toyota Prius insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Toyota models

bZ $1,545/yr
C-HR $1,480/yr
Corolla $1,705/yr
GR86 $2,095/yr
Land Cruiser $1,290/yr
4Runner $1,295/yr
Camry $1,735/yr
Corolla Cross $1,430/yr
Crown $1,670/yr
Crown Signia $1,505/yr
GR Supra $1,920/yr
Grand Highlander $1,305/yr
Highlander $1,410/yr
Mirai $2,450/yr
RAV4 $1,285/yr
Sequoia $1,515/yr
Sienna $1,590/yr
Tacoma $1,375/yr
Tundra $1,515/yr
bZ4X $1,420/yr
Venza $1,455/yr
Avalon $1,440/yr
Prius c $1,365/yr
Yaris $1,340/yr
Prius v $1,225/yr
FJ Cruiser $1,165/yr
Matrix $1,245/yr
Camry Solara $1,245/yr
Celica $1,445/yr
Echo $1,245/yr

All Toyota insurance costs →

Frequently asked questions

How much is insurance for a Toyota Prius?

We estimate about $1,595 a year ($133 a month) for full coverage and $565 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is about the same as the average vehicle.

Is the Toyota Prius expensive to insure?

HLDI insurance-loss data rates it at 118 for collision and 104 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Toyota Prius?

Maine has the lowest estimate (about $1,025 a year for full coverage) and Florida the highest (about $2,215).

What is the Toyota Prius's NHTSA safety rating?

The 2027 Toyota Prius earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Toyota Prius cheaper to insure than the Honda Civic?

By our estimate the Toyota Prius costs about $1,595 a year versus $1,820 for the Honda Civic, making it the cheaper of the two to insure.

How much is Toyota Prius insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,385 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page