Toyota Prius Car Insurance Quotes (2025)
People who drive a Toyota Prius pay an average of $91 per month for liability-only insurance and $171 per month for full-coverage insurance.
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Table of contents
For the past 25 years, the Toyota Prius has been a popular eco-friendly choice because of its fuel efficiency. Toyota sold more than 44,700 new Prius vehicles in the U.S. in 2024 alone.
Auto insurance for a Prius costs an average of $91 per month for liability-only coverage and $171 per month for full coverage. This is lower than the average insurance rates for similar hybrid vehicles, such as the Honda Insight and the Kia Niro.
If you’re a Prius driver, here’s what you need to know about finding the right Toyota Prius insurance for your needs and budget.
Quick Facts
The 2024 Prius had a maximum MSRP of $36,365, which was well below the average new car price of $49,740.
The 2018 model year has the lowest average monthly insurance quote: a liability rate of $44 and a full-coverage rate of $84 from USAA.
Consumer Reports found that the average Toyota costs $5,300 to maintain over a 10-year period, making it the fourth least-expensive vehicle brand to maintain.[1]
Cost of Toyota Prius insurance by model year
For model years 2016 to 2025, the median monthly quote for Toyota Prius insurance is $155 per month, according to Insurify data. USAA offers the cheapest average car insurance, with a $44 monthly rate for liability-only coverage and an $84 monthly rate for full coverage for a 2018 Prius.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $192 |
| 2024 | $144 |
| 2023 | $158 |
| 2022 | $179 |
| 2021 | $140 |
| 2020 | $144 |
| 2019 | $139 |
| 2018 | $146 |
| 2017 | $146 |
| 2016 | $163 |
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The MSRP for a 2025 Toyota Prius ranges from $28,350 to $36,765, depending on which trim level you choose.[2] Find the average monthly full-coverage quotes from top insurers for this model year in the table below.
Insurance CompanyAverage Monthly QuoteUSAA $128 State Farm $154 Allstate $172 GEICO $189 American Family $197 Progressive $202 Nationwide $236 Travelers $248 Farmers $300 Liberty Mutual $325 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2024 Toyota Prius had an MSRP ranging from $27,950 to $36,365 and has the following average monthly insurance costs from major insurers.[3]
Insurance CompanyAverage Monthly QuoteUSAA $125 State Farm $150 Allstate $168 GEICO $185 American Family $193 Progressive $198 Nationwide $230 Travelers $243 Farmers $293 Liberty Mutual $318 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2023 Toyota Prius had an original MSRP between $27,450 and $35,865 based on trim preferences. Here’s the average monthly insurance cost for this model year from several major insurers.
Insurance CompanyAverage Monthly QuoteUSAA $107 State Farm $128 Allstate $143 GEICO $158 American Family $164 Progressive $168 Nationwide $196 Travelers $207 Farmers $249 Liberty Mutual $271 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for a 2022 Toyota Prius was between $25,075 and $33,370, depending on trim. Here’s how much several major insurers currently charge per month to insure this model with full coverage.
Insurance CompanyAverage Monthly QuoteUSAA $110 State Farm $132 Allstate $147 GEICO $163 American Family $169 Progressive $174 Nationwide $202 Travelers $213 Farmers $257 Liberty Mutual $279 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
If you bought a Prius in 2021, the original MSRP ranged from $24,525 to $32,650, based on which trim level you chose. Here are the average monthly full-coverage quotes from several major insurance companies that provide current coverage for this model year.
Insurance CompanyAverage Monthly QuoteUSAA $86 State Farm $103 Allstate $115 GEICO $127 American Family $132 Progressive $136 Nationwide $158 Travelers $167 Farmers $201 Liberty Mutual $218 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2020-era Toyota Prius had an original MSRP between $24,325 and $32,500. Average monthly full-coverage quotes to insure a 2020 Prius today are shown in the table below.
Insurance CompanyAverage Monthly QuoteUSAA $96 State Farm $115 Allstate $129 GEICO $142 American Family $148 Progressive $152 Nationwide $177 Travelers $186 Farmers $225 Liberty Mutual $244 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 Toyota Prius model year came with an original MSRP of $23,770 to $32,200, depending on specific trim choices. Here’s how much several major insurers charge to cover a 2019 Prius with full coverage today.
Insurance CompanyAverage Monthly QuoteUSAA $92 State Farm $110 Allstate $123 GEICO $136 American Family $142 Progressive $145 Nationwide $169 Travelers $178 Farmers $215 Liberty Mutual $234 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2018, the Toyota Prius had an original MSRP that ranged from $23,475 to $30,565 based on chosen trim. Here’s the average monthly cost of insuring this model year today.
Insurance CompanyAverage Monthly QuoteUSAA $84 State Farm $101 Allstate $113 GEICO $124 American Family $129 Progressive $133 Nationwide $155 Travelers $163 Farmers $197 Liberty Mutual $213 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original MSRP for the 2017 Toyota Prius was $23,475 to $30,015, depending on trim level. You can find the average monthly quotes to insure this model year in the table below.
Insurance CompanyAverage Monthly QuoteUSAA $92 State Farm $110 Allstate $123 GEICO $136 American Family $142 Progressive $145 Nationwide $169 Travelers $178 Farmers $215 Liberty Mutual $234 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2016 Toyota Prius had an original MSRP that ranged from $24,200 to $30,000 and currently has the following average monthly insurance costs from major insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $104 State Farm $124 Allstate $139 GEICO $153 American Family $159 Progressive $164 Nationwide $190 Travelers $201 Farmers $242 Liberty Mutual $263 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Toyota insurance by state
The cost of your Toyota Prius insurance premiums can vary depending on your ZIP code. In the table below, you’ll find average rates for Toyota drivers based on which state they live in.
Rate data is not available for Alaska and Hawaii.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $137 |
| Arizona | $168 |
| Arkansas | $247 |
| California | $232 |
| Colorado | $212 |
| Connecticut | $323 |
| Delaware | $237 |
| Florida | $222 |
| Georgia | $240 |
| Idaho | $121 |
| Illinois | $164 |
| Indiana | $139 |
| Iowa | $117 |
| Kansas | $159 |
| Kentucky | $209 |
| Louisiana | $214 |
| Maine | $145 |
| Maryland | $327 |
| Massachusetts | $172 |
| Michigan | $267 |
| Minnesota | $188 |
| Missouri | $186 |
| Mississippi | $200 |
| Montana | $160 |
| Nebraska | $169 |
| Nevada | $247 |
| New Hampshire | $109 |
| New Jersey | $172 |
| New Mexico | $153 |
| New York | $454 |
| North Carolina | $90 |
| North Dakota | $132 |
| Ohio | $125 |
| Oklahoma | $172 |
| Oregon | $155 |
| Pennsylvania | $167 |
| Rhode Island | $142 |
| South Carolina | $260 |
| South Dakota | $125 |
| Tennessee | $144 |
| Texas | $228 |
| Utah | $177 |
| Virginia | $185 |
| Vermont | $146 |
| Washington | $154 |
| Washington D.C. | $332 |
| Wisconsin | $128 |
| West Virginia | $151 |
| Wyoming | $115 |
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How to ensure you have enough coverage on your Toyota Prius
Getting the right level of coverage for your Toyota Prius starts with your state regulations. Every state except New Hampshire has minimum coverage requirements for liability insurance. But most drivers choose to purchase additional coverage on top of their liability insurance.
Here are some additional coverage options you may want to consider for your Toyota Prius:
Collision coverage
If you cause an accident, collision insurance can help repair any damage to your Prius. Without this coverage, you must pay out of pocket for damage to your Prius when you cause an accident.
Comprehensive coverage
If your Prius is damaged because of something other than an accident, comprehensive insurance helps pay to repair or replace it. This protection covers anything from vandalism to a falling tree branch cracking your windshield.
Personal injury protection coverage
Some states may require you to carry PIP coverage, which helps pay for your and your passengers’ medical expenses after an accident, no matter who’s at fault. Even if your state doesn’t require PIP coverage, you may want to consider it if you don’t have adequate health insurance.
Uninsured motorist coverage
Similar to PIP coverage, your state may require uninsured motorist coverage. This insurance can help cover the cost of your property damage or medical bills if an uninsured driver causes an accident that affects you.
Toyota Prius insurance FAQs
If you drive a Toyota Prius and want to find the best and most affordable insurance coverage, the answers to the following common questions can help.
The cheapest Toyota Prius insurance will vary depending on your driver profile, your driving history, location, and other factors. Insurify data has found that USAA offers the lowest average quotes, but you may find the best rate with a different insurer, which is why comparison shopping is so important. And remember that you can adjust your deductibles and take advantage of discounts like bundling to lower your rates.
It costs slightly less to insure a Toyota Prius than similar hybrid vehicles, such as the Honda Insight and the Kia Niro.
The average monthly cost of Toyota Prius insurance is $91 for liability-only coverage and $171 for full coverage. This is about 11% lower than the national average cost of car insurance, according to Insurify data.
Not necessarily. The Toyota Prius is slightly cheaper to insure than the national average cost for all cars, while the Honda Insight and the Kia Niro both cost very close to the average rate.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Consumer Reports. "Car Brands Ranked by Maintenance and Repair Costs Over Time."
- U.S. News. "2025 Toyota Prius."
- US News. "2024 Toyota Prius."
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Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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