About $1,271 a year for full coverage on a national average — 12% less than the $1,438 average car. Its insurance-loss index is 88 for 2022-2024 models.
Its costliest coverage is Collision (damage to your own car in a crash) at an index of 109; the cheapest is Property damage at 66. Among 32 four-door cars we hold data for, the Prius Prime ranks #6 from cheapest, below the class median of 116. A 2021 Prius Prime sells for a median $17,950 in our listings, so a year of coverage costs 7.1% of the car's value. Across 8 model-year groups in the data the index has fallen from 103 (2015-2017) to 88 (2022-2024). Calculated from 8 insurance-loss records and live US listing prices.
Why a Prius Prime costs what it does
Loss index of the Prius Prime for each coverage type, where 100 is the average vehicle:
Estimated annual split at $1,271: Liability (BI + PD) $610 · Collision $356 · Comprehensive $153 · Other (UM / PIP) $153.
The Prius Prime against its class
The Prius Prime ranks #6 of 32 four-door cars from cheapest to insure; its neighbors in that list:
Class as defined by insurers (Four-door cars). Its median index is 116, roughly $1,668 a year; the cheapest is the Volkswagen GTI at 73.
How it changed over the years
Insurance-loss index of the Prius Prime for each model-year group in the data:
The Prius Prime has become cheaper to insure over time (-14 points).
What a Prius Prime costs by state
The Prius Prime's index applied to each state's average premium: about $1,761 a year in Florida against $818 in Maine.
| State | Prius Prime est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown.
Toyota Prius Prime insurance — frequently asked
How much is insurance for a Toyota Prius Prime?
About $1,271 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 88 applied to the US average premium.
Why is the Prius Prime expensive or cheap to insure?
For the Toyota Prius Prime the costliest area is Collision at an index of 109, covering damage to your own car in a crash — against 66 for its cheapest. Overall the Toyota Prius Prime lands at an index of 88.
Is the Prius Prime cheaper to insure than rivals?
It ranks #6 of 32 in the four-door cars class, where the median index is 116 against this car's 88. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of coverage is 7.1% of what a 2021 Prius Prime sells for — $1,271 against a median price of $17,950.
Which state is cheapest to insure a Prius Prime in?
Maine at about $818 a year, against $1,761 in Florida, the priciest.
How we work this out
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