Best Car Insurance for Toyota Prius 2022
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Best insurance for Toyota Prius
One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 36% per year insuring their Toyota Prius when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Toyota Prius drivers after switching with Jerry.
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How much does it cost to insure a Toyota Prius
The average annual cost to insure a Toyota Prius is $2,660, which is $223 lower than the average annual cost to insure Toyotas. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.
Insurance coverage to consider for a Toyota Prius
While the mandatory liability coverage will be the cheapest option to insure your Prius, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather
What determines your car insurance cost for a Toyota Prius
In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.
The cost of insurance for a Toyota Prius will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Toyota Prius than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Toyota Prius:
The year of your car
Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Toyota Prius will be lower for an older car. These are real quotes Jerry has found for drivers of a Toyota Prius based on model year:
While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Toyota Prius with different carriers:
Trim levels and vehicle materials
The Toyota Prius comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Toyota Prius.
How can I save money when insuring my Toyota Prius
Finding reasonable insurance rates for a Toyota Prius shouldn’t be too hard, but there are still a few tips and tricks to keep in mind to get your rates as low as possible.
Comparison shopping is the most effective way to find low-cost insurance—but it’s not quite as simple as searching online. Getting an accurate quote requires factoring in things like your driving history, where you live, your yearly income, and more. And to do that, you have to submit that information to each carrier, over and over again.
So fire up Jerry and let it handle the process for you instead! Jerry requires some basic information that takes you less than a minute to share and then presents you with quotes from up to 50 providers.
Once you’ve found the perfect fit, Jerry finalizes all the paperwork and cancels your old policy. And when it’s time to renew, Jerry continues to find you lower-cost insurance so that you can always be sure you’re getting the best coverage at the best price.
Key Takeaway Use Jerry to help you comparison-shop for insurance quickly and easily, without the repetition of requesting quotes from different companies.
Opt for a lower trim level
It may be tempting to spend a couple thousand more on your Prius for perks like a smartphone charging pad or heated seats, but ask yourself if these are really worth the extra money. The more features a car has, the more expensive it tends to be to insure, so sticking with a base model is a great way to save money on your insurance.
Due to the number of trim levels, there isn’t much by way of optional add-ons with the Prius. To get these features, you’ll have to upgrade your trim.
Invest in better anti-theft and safety features
Spending a little extra to improve your car’s safety and security can translate into big savings for your insurance. These features lower the risk of your car getting into an accident or being stolen, and your insurance company passes their savings on to you.
Look for features like aftermarket alarms to help lower your insurance costs.
Keep your driving record clean
Once you’ve selected your insurance and gotten your rates, the next task is to keep those rates low. That means consistently proving to your carrier that you’re a responsible driver by keeping a clean driving record.
Having driving violations on your record raises your risk level, whether it’s a minor speeding ticket or a serious infraction like a DUI. And the higher your risk level, the more expensive your insurance will become. Too high and carriers may refuse to insure you.
If you have violations on your record, don’t despair—some clear off with time, others can be legally purged.
Look for discounts
Almost all carriers feature various discounts, whether for safe driving, bundling policies, or allowing the company to track your driving habits with their apps. Some even offer discounts for hybrid cars like the Prius.
Most of your carrier’s discounts should be listed on their website, but be sure to ask an agent if there are any they don’t advertise that you could qualify for.