The Toyota Prius was the first mass-produced hybrid in automotive history, and it quickly became the go-to vehicle for the environmentally conscious. This eco-friendly vehicle earns 12% lower car insurance rates than the national average. Toyota Prius insurance costs an average of $173 per month for full coverage. No matter which type of Prius you drive, it needs to be protected with the right car insurance.
When it's time to find the best Toyota Prius insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Toyota Prius by model year and top-rated insurance company in 2026.
Key Takeaways - 2026 Toyota Prius Insurance Cost
Toyota Prius insurance costs an average of $2,076 per year, or approximately $173 per month, for full coverage in 2026.
Toyota Prius insurance costs vary widely by location, with drivers in Wyoming paying an average of only $33 per month for minimum coverage, while those in Louisiana pay $173.
Travelers, Kemper, and Progressive are the cheapest carriers for Toyota Prius insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota Prius insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota Prius model.
How Much Does Toyota Prius Insurance Cost in 2026?
Toyota Prius full coverage costs an average of $2,076 per year, or approximately $173 per month. So, how much is insurance on a Toyota Prius if you buy liability-only coverage? The minimum Toyota Prius insurance cost per month averages $89, or $1,072 per year. Overall, average 2026 Toyota Prius insurance rates are 12% less than the current national car insurance average.
Average Cost by Model Year (2016-2025)
Toyota Prius car insurance costs vary depending on the age of your vehicle. Newer vehicles typically cost more to insure due to their higher replacement cost. After the 2023 redesign of the Prius, insurance rates notably became more expensive. The table below compares average rates for Toyota Prius insurance by model year.
| Model Year | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 2025 | $118 | $230 |
| 2024 | $106 | $206 |
| 2023 | $95 | $184 |
| 2022 | $82 | $160 |
| 2021 | $74 | $143 |
| 2020 | $66 | $128 |
| 2019 | $97 | $188 |
| 2018 | $98 | $189 |
| 2017 | $93 | $179 |
| 2016 | $82 | $157 |
Cost by Trim Level: LE, XSE, & Plug-In Hybrid
The base LE model of the Prius has the cheapest average insurance rates, at $2,078 annually for full coverage. In contrast, the most expensive Prius to insure is the Prime XSE Premium model.
The Prius Plug-In Hybrid was formerly known as the Prius Prime. Toyota Prius Prime insurance costs average $2,386 per year for the XSE Premium. The table below compares the average cost of full coverage insurance for a model-year 2024 Toyota Prius by trim level.
| Trim Level | Annual Full Coverage Premium | Monthly Full Coverage Premium |
| 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 |
Toyota Prius Insurance Rates by Insurance Company
Wondering where to find the cheapest car insurance for a Toyota Prius this year? Travelers has the cheapest coverage rates, starting at an average of just $924 per year for minimum coverage. The table below shows the best car insurance companies for a Toyota Prius in 2026.
| Top Car Insurance Companies | Average Monthly Minimum Coverage Premium | Average Monthly Full Coverage Premium |
| Travelers | $77 | $142 |
| Kemper | $88 | $178 |
| Progressive | $89 | $166 |
| The Hartford | $92 | $156 |
| Nationwide | $100 | $173 |
| AAA | $100 | $209 |
| Amica | $112 | $228 |
| Chubb | $117 | $234 |
| Allstate | $117 | $226 |
| AIG | $128 | $317 |
| UAIC | $146 | $183 |
Toyota Prius Insurance Rates by Driver Age
Toyota Prius insurance costs vary considerably by age and driver profile. Toyota Prius insurance for teen drivers is much more expensive than for middle-aged adults. Car insurance rates tend to drop dramatically starting around age 25 until about age 65, then begin to climb again. The table below compares Prius coverage costs by age and driver profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 17 | $7,982 | $11,713 | $13,722 |
| 18 | $7,449 | $10,906 | $12,796 |
| 19 | $6,590 | $9,680 | $11,343 |
| 20 | $5,735 | $8,423 | $9,886 |
| 21 | $4,828 | $7,081 | $8,284 |
| 22 | $4,704 | $6,860 | $8,036 |
| 23 | $4,134 | $6,016 | $7,060 |
| 24 | $3,876 | $5,723 | $6,686 |
| 25 | $3,339 | $4,929 | $5,758 |
| 30 | $2,598 | $3,836 | $4,532 |
| 35 | $2,434 | $3,613 | $4,190 |
| 40 | $2,362 | $3,478 | $4,045 |
| 45 | $2,332 | $3,375 | $3,939 |
| 55 | $2,101 | $3,079 | $3,636 |
| 65 | $2,206 | $3,239 | $3,813 |
| 75 | $2,763 | $4,051 | $4,757 |
Average Toyota Prius Insurance Cost by Driver Age Group
The table below compares the average cost of Toyota Prius insurance by driver age group.
| Driver Age Group | Average Monthly Cost of Car Insurance |
| Teens | $276 |
| Adults | $144 |
| Seniors | $124 |
Toyota Prius Insurance Rates by State
Your location has a significant impact on your car insurance premiums. Drivers in large cities with high theft rates may pay much higher insurance rates than those who live in smaller towns. State minimum coverage requirements affect the cost of car insurance.
Toyota Prius insurance costs range from just $33 per month for minimum coverage in Wyoming to $173 in Louisiana. The table below compares the average cost of Toyota Prius insurance by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $76 | $145 |
| Alaska | $63 | $135 |
| Arizona | $107 | $199 |
| Arkansas | $72 | $161 |
| California | $85 | $172 |
| Colorado | $84 | $202 |
| Connecticut | $122 | $209 |
| Delaware | $125 | $210 |
| District Of Columbia | $94 | $174 |
| Florida | $122 | $285 |
| Georgia | $130 | $214 |
| Hawaii | $47 | $105 |
| Idaho | $48 | $99 |
| Illinois | $81 | $151 |
| Indiana | $57 | $112 |
| Iowa | $50 | $120 |
| Kansas | $63 | $148 |
| Kentucky | $108 | $184 |
| Louisiana | $173 | $371 |
| Maine | $46 | $96 |
| Maryland | $136 | $229 |
| Massachusetts | $89 | $190 |
| Michigan | $139 | $268 |
| Minnesota | $74 | $155 |
| Mississippi | $79 | $156 |
| Missouri | $102 | $203 |
| Montana | $62 | $148 |
| Nebraska | $65 | $147 |
| Nevada | $156 | $282 |
| New Hampshire | $62 | $110 |
| New Jersey | $146 | $241 |
| New Mexico | $71 | $159 |
| New York | $110 | $198 |
| North Carolina | $73 | $144 |
| North Dakota | $54 | $118 |
| Ohio | $67 | $129 |
| Oklahoma | $82 | $181 |
| Oregon | $105 | $184 |
| Pennsylvania | $79 | $185 |
| Rhode Island | $109 | $194 |
| South Carolina | $89 | $167 |
| South Dakota | $48 | $148 |
| Tennessee | $68 | $138 |
| Texas | $110 | $226 |
| Utah | $95 | $161 |
| Vermont | $41 | $97 |
| Virginia | $83 | $135 |
| Washington | $81 | $151 |
| West Virginia | $76 | $155 |
| Wisconsin | $57 | $126 |
| Wyoming | $33 | $102 |
What Factors Affect Your Toyota Prius Insurance Rate?
Many different factors can affect Toyota Prius insurance costs, including how often you drive your car, your driving history, and even your policy's deductible.
Annual Mileage
Driving more than 10,000 to 15,000 miles each year often leads to higher auto insurance premiums. The more you use your vehicle, the greater the risk of being involved in an accident or getting a traffic violation, such as a speeding ticket.
Driving Record
Toyota Prius drivers without traffic violations or at-fault accidents on their driving record enjoy some of the lowest insurance premiums. Car insurance companies love to reward drivers without speeding tickets, DUIs, accidents, and other violations on their records, as they have a much lower chance of filing claims.
The Value of Your Vehicle
High-value vehicles cost more to insure because repairs or replacements are typically more expensive. If you drive a less expensive model of Prius, you'll likely enjoy lower car insurance premiums.
Your Credit
In many areas, your credit score can affect your car insurance premiums. Car insurance companies associate good credit behavior with good driving behavior. Therefore, the better your credit score, the lower your car insurance premium may be.
Your Deductible
Choosing a higher deductible can lead to lower monthly or annual car insurance premium rates. However, keep in mind that with a higher deductible, you'll have to pay more out-of-pocket each time you file a claim before getting reimbursed.
Toyota Prius Safety Ratings and Their Impact on Insurance
Insurance rates are greatly impacted by the safety of your Toyota Prius. The National Highway Traffic Safety Administration (NHTSA) gave the 2023-2025 Toyota Prius an overall five-star safety rating. The Insurance Institute for Highway Safety (IIHS) gave the Prius a Top Safety Pick+ rating. High safety scores can earn significant savings on car insurance. Newer Prius models are also equipped with Toyota Safety Sense 3.0 bundle as a standard, which can help you earn safety features discounts from your car insurance carrier.
How Location Affects Your Toyota Prius Insurance
Certain states require higher coverage limits and more types of coverage than others, leading to higher insurance rates. If you live in a city with high theft rates for the Prius, you're also likely to pay more for auto insurance. The tables below compare the most and least affordable states for Toyota Prius insurance in 2026.
Most Expensive States for Toyota Prius Insurance
| 1. | Louisiana | $173 |
| 2. | Nevada | $156 |
| 3. | New Jersey | $146 |
Least Expensive States for Toyota Prius Insurance
| 1. | Wyoming | $33 |
| 2. | Vermont | $41 |
| 3. | Maine | $46 |
What Kind of Insurance Do You Need for Your Toyota Prius?
You have many options to choose from when assembling your Toyota Prius insurance policy. Consider adding at least the following coverage types for your Prius, which are typically required by law.
Bodily Injury Liability
If someone is injured in an accident that you cause while driving your Toyota Prius, your bodily injury liability coverage can help pay for the damage. This policy can cover legal fees, loss of income, pain and suffering, medical expenses, and funeral costs.
Property Damage Liability
If you cause an accident while driving your Toyota Prius, property damage liability coverage can pay for repairs to the other party's vehicle and property. It may also cover legal defense costs associated with property damage claims.
Medical Payments Coverage and Personal Injury Protection
Depending on your state, you can choose between medical payments coverage and personal injury protection (PIP). Many car accidents result in injury, and this type of insurance can help pay the medical bills associated with recovery. PIP coverage can also pay for lost wages while the injured party is out of work recovering.
Uninsured Motorist Coverage
If you are injured or your vehicle is damaged in an accident caused by a driver who doesn't have insurance, uninsured motorist coverage can cover associated losses up to your policy's limits. Even though liability insurance is required by law in most states, many drivers are still uninsured or underinsured. Your independent insurance agent can help you understand your options for uninsured and underinsured motorist coverage and whether it's a wise choice to add it to your policy.
Optional Coverage for Your Toyota Prius
Even though the following types of car insurance aren't typically mandatory, they can be helpful to include in your policy. A local independent insurance agent can help you determine which types of optional coverage are appropriate for your specific Toyota Prius. Adding hybrid battery replacement and repair coverage might be worth it for Prius owners.
Collision
If you are in an accident, collision coverage can pay for damage to your car from a collision with another object, regardless of fault. However, it doesn't make sense to have collision coverage on an older Toyota Prius that's already paid off. Your independent insurance agent can help you decide if full coverage is the right choice for you.
Comprehensive
Comprehensive coverage can pay for damage to your car due to a non-collision event, such as a flood or theft. It can help pay for losses if your car is stolen or vandalized, or if you hit a large animal such as a deer. If you have a loan or lease on your car, comprehensive coverage may be required by your lender.
Glass Coverage
A broken windshield demands immediate attention, and in some places, you can get a ticket for driving with damaged glass. A glass coverage policy lets you get your Prius's broken glass repaired without having to dig into your savings.
Gap Insurance
If you're in an accident that severely damages or totals your Prius, gap coverage can cover the difference between the amount still owed on the loan and your vehicle's value if you owe more than the car is worth. Every insurance policy has limits, and your insurance company will only pay up to the vehicle's fair market value. Talk with your independent insurance agent about how gap insurance may protect you if you own a newer Toyota Prius.
Additional Factors That Affect Your Toyota Prius Insurance Premiums
The following additional factors can also affect your auto insurance premium rates for a Toyota Prius:
- Safety features like anti-theft devices: Having Toyota Safety Sense or other safety features equipped in your vehicle, such as anti-theft devices, can help you earn a discount of up to 30% on your coverage.
- Your age: Car insurance rates are the cheapest for middle-aged adults. For example, a 17-year-old driver with no accidents on record pays about $7,982 per year, while a 40-year-old pays only $2,362.
- Your gender: In many areas, gender can also influence your coverage costs. For example, a female 20-year-old Prius drivers pay an estimated rate of $3,222 per year, while males pay $4,472.
- The deductibles you choose: 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
- Your credit: In certain areas, credit score can greatly influence your car insurance costs. Having a credit score of 800 or more can help you earn savings as high as $352 per year compared to the 670-739 score range.
An independent insurance agent can help you find the most affordable Toyota Prius insurance near you.
How to Save Money on Toyota Prius Insurance
Fortunately, there are plenty of easy ways to reduce your Toyota Prius insurance premiums, such as by asking about the following discounts and savings options:
- Hybrid/electric vehicle discounts: If you drive a hybrid or electric model, ask your dealership or insurer about Toyota Prius insurance discounts for hybrid and electric vehicles.
- Safety features discounts: If your vehicle is equipped with Toyota Safety Sense, anti-theft devices, or other safety featuers, your car insurance company may reward you with extra savings.
- Usage-based (telematics) discounts: Many car insurance companies offer telematics programs that track your annual mileage or driving behavior and reward you with savings for low vehicle usage and good habits on the road.
- Bundling discounts: Buying more than one type of coverage, such as home insurance and auto insurance, through the same carrier can help you save on each.
- Annual comparison shopping discounts: A local independent insurance agent can help you shop and compare quotes from several Toyota Prius insurance companies each year to find the best rate before your policy renews.
Independent insurance agents know which local carriers offer the cheapest Toyota Prius insurance without sacrificing quality coverage. It's helpful to compare rates at least annually so you don't leave any savings on the table.
Hybrid Discounts for Prius Owners
The Prius is known for being eco-friendly, which can help you score significant car insurance discounts. If you drive a hybrid Prius, your odds are even better for earning extra savings. Many top-rated car insurance companies, such as Travelers, offer discount programs for hybrid vehicles. Just ask your independent insurance agent about Toyota Prius hybrid insurance discounts to see if you're eligible.
Usage-Based Insurance and Telematics for Prius Drivers
Many car insurance companies offer telematics discounts that can track your driving behaviors and annual mileage. Safe driving behavior and lower vehicle usage can translate to significant savings on your premiums. Ask your independent insurance agent about telematics programs from popular insurers, such as Progressive's Snapshot or Allstate's Drivewise program.
Toyota Prius vs. Similar Hybrids: Insurance Cost Comparison
The Toyota Prius ranks 129th out of 199 sedans compared for affordability. While the Prius's rates are slightly higher than those of the BMW 4-Series, the Volvo S60, and the Cadillac ATS, they're comparable to those of the Cadillac XTS, the Tesla Model 3, and the Lexus IS. The table below compares the Prius's average monthly coverage rates to those of similar sedans in 2026.
| Vehicle | Average Monthly Cost of Car Insurance | Affordability Rank |
| Acura RLX | $154 | 126 |
| Cadillac ATS | $154 | 127 |
| Volvo S60 | $154 | 128 |
| BMW 4-series | $154 | 128 |
| Toyota Prius | $157 | 129 |
| Cadillac XTS | $157 | 130 |
| Tesla Model 3 | $157 | 131 |
| Lexus IS | $157 | 132 |
FAQs About Toyota Prius Insurance
How much is Toyota Prius insurance per month?
The average cost of Toyota Prius insurance is about $89 per month for minimum coverage and $173 per month for full coverage. The cost of your specific policy will vary depending on your carrier, driving history, and other factors.
Is the Toyota Prius expensive to insure?
No, the Prius ranks 129th of 199 sedans and 313th out of 827 total vehicles compared for affordability. The Prius's average annual insurance rates are also 12% beow the current national average for all vehicles.
Which insurance company is the cheapest for a Toyota Prius?
Travelers is the cheapest carrier for Toyota Prius insurance this year, with rates starting at just $77 per month for minimum coverage.
Does the Toyota Prius qualify for a hybrid vehicle discount?
Yes. Be sure to ask your insurer about discounts for hybrid and electric vehicles. You might also qualify for safety features discounts if your vehicle is equipped with Toyota Safety Sense 3.0.
How does the Prius model year affect insurance cost?
Newer Prius models typically cost more to insure than older models due to the higher vehicle value. For example, a 2025 Prius liability-only policy costs an average of $118 per month, compared to $82 per month for a 2016 model.
Is it more expensive to insure a Toyota Prius Plug-In Hybrid?
Yes, the Prime XSE Premium Prius costs $2,386 per year to insure, compared to $2,078 per year for the base LE model. This difference of $308 per year can be attributed to the higher vehicle value and repair costs.
What is the cheapest state for Toyota Prius insurance?
The cheapest state for Toyota Prius insurance is Wyoming, with minimum coverage rates averaging just $33 per month. In contrast, Louisiana has the highest rates, averaging $173 per month. Michigan is also known for having more expensive insurance rates due to its higher minimum coverage requirements.
Does a clean driving record lower Prius insurance rates?
Yes, if your driving record is free from accidents and DUIs, your premiums are likely to be significantly lower. Having just one of these incidents on your record can nearly double your premiums.
An Independent Insurance Agent Can Help You Get a Toyota Prius Car Insurance Quote
When it's time to find the most affordable Toyota Prius insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Prius insurance coverage and cost.
An independent insurance agent can shop and compare several quotes from dozens of insurance companies simultaneously, including Progressive, Nationwide, USAA, and Travelers, to find the cheapest coverage near you. And down the road, your agent will still be there to help you file car insurance claims if the time comes.
Related Links:
Sources
https://www.moneygeek.com/insurance/auto/toyota-prius-insurance/
https://insuraviz.com/vehicles/toyota/toyota-prius-insurance/
https://www.insuranceopedia.com/auto-insurance/toyota-prius-car-insurance
https://www.compare.com/auto-insurance/vehicles/toyota/prius