Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Toyota Prius? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota Prius facts

  • Average auto insurance premium: $147/month

  • Most affordable companies: Progressive ($92/month) & GEICO ($102/month)

  • Prius insurance cost vs. average rate: $37 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota Prius by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Risk factors affecting Toyota Prius rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Safety Ratings & Prius Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

Top Safety Ratings from IIHS & NHTSA

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as “Top Safety Pick+” (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn’t necessarily mean lower repair costs in the event of an accident. Still, it does protect the car’s occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

2021 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1396
Allied$1987
Allstate$1726
American Family$1511
Arbella$1548
Auto-Owners$2017
Erie$1240
GEICO$1235
Mercury$1609
MetLife$1925
Nationwide$1289
Progressive$1106
Safe Auto$1914
State Farm$1350
Tennessee Farmers$1582
Travelers$1848
USAA$1147

Compare all 2021 Toyota Prius rates

Average Cost to Insure Per Year

$1767

List Price

$24525

Trims Available

One - Two - Two Eco - Three - Three Touring - Four - Four Touring - L 5dr Front-wheel Drive Hatchback - LE 5dr Front-wheel Drive Hatchback - XLE 5dr Front-wheel Drive Hatchback - Limited 5dr Front-wheel Drive Hatchback - with Pre-Collision System (PCS) and Rear Cross-Traffic Alert (RCTA) - Intelligent Clearance Sonar (ICS) w/Intelligent Parking Assist (IPA) Automated Parking Sensors

2020 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1360
Allstate$1680
American Family$1480
Erie$1212
GEICO$1219
Mercury$1636
MetLife$1911
Nationwide$1237
Progressive$1080
Safe Auto$1859
State Farm$1345
Tennessee Farmers$1519
Travelers$1810
USAA$1129
Vermont Mutual$1894

Compare all 2020 Toyota Prius rates

Average Cost to Insure Per Year

$1712

List Price

$24325

Trims Available

One - Two - Two Eco - Three - Three Touring - Four - Four Touring - L 5dr Front-wheel Drive Hatchback - LE 5dr Front-wheel Drive Hatchback - XLE 5dr Front-wheel Drive Hatchback - Limited 5dr Front-wheel Drive Hatchback - with Pre-Collision System (PCS) and Rear Cross-Traffic Alert (RCTA) - Intelligent Clearance Sonar (ICS) w/Intelligent Parking Assist (IPA) Automated Parking Sensors

2019 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1648
American Family$1467
Erie$1134
Farmers$1408
GEICO$1065
Mercury$1609
MetLife$1872
Nationwide$1216
Progressive$1020
Safe Auto$1818
State Farm$1327
Tennessee Farmers$1513
Travelers$1755
USAA$1146
Vermont Mutual$1863

Compare all 2019 Toyota Prius rates

Average Cost to Insure Per Year

$1600

List Price

$23770

Trims Available

One - Two - Two Eco - Three - Three Touring - Four - Four Touring - L 5dr Front-wheel Drive Hatchback - LE 5dr Front-wheel Drive Hatchback - XLE 5dr Front-wheel Drive Hatchback - Limited 5dr Front-wheel Drive Hatchback - with Pre-Collision System (PCS) and Rear Cross-Traffic Alert (RCTA) - Intelligent Clearance Sonar (ICS) w/Intelligent Parking Assist (IPA) Automated Parking Sensors

2018 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1185
Acuity$ 1185
Allied$ 1147
Allied$ 1147
American Family$ 1235
American Family$ 1235
Arbella$ 1204
Arbella$ 1204
Country$ 1276
Country$ 1276
Erie$ 922
Erie$ 922
GEICO$ 1286
GEICO$ 1286
Nationwide$ 1255
Nationwide$ 1255
Plymouth Rock Insurance$ 1103
Plymouth Rock Insurance$ 1103
Tennessee Farmers$ 1052
Tennessee Farmers$ 1052
USAA$ 1114
USAA$ 1114
Vermont Mutual$ 1141
Vermont Mutual$ 1141

Compare all 2018 Toyota Prius rates

Average Cost to Insure Per Year

$ 1588

List Price

$ 23475

Trims Available

One - Two - Two Eco - Three - Three Touring - Four - Four Touring

2017 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1154
Acuity$ 1154
Arbella$ 1135
Arbella$ 1135
Erie$ 736
Erie$ 736
GEICO$ 660
GEICO$ 660
Nationwide$ 1087
Nationwide$ 1087
Plymouth Rock Insurance$ 1072
Plymouth Rock Insurance$ 1072
Progressive$ 1145
Progressive$ 1145
State Farm$ 1001
State Farm$ 1001
Tennessee Farmers$ 1035
Tennessee Farmers$ 1035
Texas Farm Bureau$ 848
Texas Farm Bureau$ 848
USAA$ 974
USAA$ 974
Vermont Mutual$ 1087
Vermont Mutual$ 1087

Compare all 2017 Toyota Prius rates

Average Cost to Insure Per Year

$ 1119

List Price

$ 23475

Trims Available

One - Two - Two Eco - Three - Three Touring - Four - Four Touring

2016 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 966
American Family$ 966
Arbella$ 1056
Arbella$ 1056
Erie$ 647
Erie$ 647
GEICO$ 551
GEICO$ 551
Nationwide$ 987
Nationwide$ 987
Plymouth Rock Insurance$ 1042
Plymouth Rock Insurance$ 1042
Progressive$ 958
Progressive$ 958
State Farm$ 809
State Farm$ 809
Tennessee Farmers$ 1010
Tennessee Farmers$ 1010
Texas Farm Bureau$ 840
Texas Farm Bureau$ 840
USAA$ 812
USAA$ 812
Vermont Mutual$ 991
Vermont Mutual$ 991

Compare all 2016 Toyota Prius rates

Average Cost to Insure Per Year

$ 984

List Price

$ 24200

Trims Available

Two - Two Eco - Three - Three Touring - Four - Four Touring

2015 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1022
Acuity$ 1022
American Family$ 964
American Family$ 964
Country$ 993
Country$ 993
Erie$ 614
Erie$ 614
GEICO$ 524
GEICO$ 524
Nationwide$ 1004
Nationwide$ 1004
Progressive$ 914
Progressive$ 914
State Farm$ 737
State Farm$ 737
Tennessee Farmers$ 921
Tennessee Farmers$ 921
Texas Farm Bureau$ 811
Texas Farm Bureau$ 811
USAA$ 700
USAA$ 700
Vermont Mutual$ 955
Vermont Mutual$ 955

Compare all 2015 Toyota Prius rates

Average Cost to Insure Per Year

$ 944

List Price

$ 23215

Trims Available

One - Two - Three - Persona Series - Four - Five

2014 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1460
Allstate$ 1460
Amica$ 977
Amica$ 977
Arbella$ 842
Arbella$ 842
GEICO$ 718
GEICO$ 718
Liberty Mutual$ 1711
Liberty Mutual$ 1711
MetLife$ 1321
MetLife$ 1321
Plymouth Rock Insurance$ 603
Plymouth Rock Insurance$ 603
Progressive$ 1146
Progressive$ 1146
Quincy Mutual$ 1079
Quincy Mutual$ 1079
State Farm$ 1288
State Farm$ 1288
Texas Farm Bureau$ 780
Texas Farm Bureau$ 780
USAA$ 1134
USAA$ 1134

Compare all 2014 Toyota Prius rates

Average Cost to Insure Per Year

$ 1091

List Price

$ 23215

Trims Available

One - Two - Three - Four - Five

2013 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 981
Acuity$ 981
American Family$ 1033
American Family$ 1033
Arbella$ 964
Arbella$ 964
Erie$ 694
Erie$ 694
GEICO$ 515
GEICO$ 515
Plymouth Rock Insurance$ 966
Plymouth Rock Insurance$ 966
Progressive$ 932
Progressive$ 932
State Farm$ 794
State Farm$ 794
Tennessee Farmers$ 927
Tennessee Farmers$ 927
Texas Farm Bureau$ 761
Texas Farm Bureau$ 761
USAA$ 722
USAA$ 722
Vermont Mutual$ 871
Vermont Mutual$ 871

Compare all 2013 Toyota Prius rates

Average Cost to Insure Per Year

$ 942

List Price

$ 23215

Trims Available

One - Two - Three - Persona Series SE - Four - Five

2012 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 926
Acuity$ 926
American Family$ 978
American Family$ 978
Arbella$ 961
Arbella$ 961
Erie$ 665
Erie$ 665
GEICO$ 491
GEICO$ 491
Plymouth Rock Insurance$ 942
Plymouth Rock Insurance$ 942
Progressive$ 804
Progressive$ 804
State Farm$ 635
State Farm$ 635
Tennessee Farmers$ 896
Tennessee Farmers$ 896
Texas Farm Bureau$ 743
Texas Farm Bureau$ 743
USAA$ 666
USAA$ 666
Vermont Mutual$ 813
Vermont Mutual$ 813

Compare all 2012 Toyota Prius rates

Average Cost to Insure Per Year

$ 870

List Price

$ 23015

Trims Available

One - Two - Three - Four - Five

2011 Toyota Prius

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 942
American Family$ 942
Arbella$ 852
Arbella$ 852
Country$ 992
Country$ 992
Erie$ 676
Erie$ 676
GEICO$ 491
GEICO$ 491
Plymouth Rock Insurance$ 923
Plymouth Rock Insurance$ 923
Progressive$ 776
Progressive$ 776
State Farm$ 796
State Farm$ 796
Tennessee Farmers$ 895
Tennessee Farmers$ 895
Texas Farm Bureau$ 734
Texas Farm Bureau$ 734
USAA$ 642
USAA$ 642
Vermont Mutual$ 782
Vermont Mutual$ 782

Compare all 2011 Toyota Prius rates

Average Cost to Insure Per Year

$ 884

List Price

$ 22120

Trims Available

One - Two - Three - Four - Five