Best Car Insurance for Toyota Prius Prime 2022

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Best insurance for Toyota Prius Prime

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 43% per year insuring their Toyota Prius Prime when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Toyota Prius Prime drivers after switching with Jerry.
Quote DateZip CodeStateCityAgeInsurance Company
Before Jerry
After Jerry
2021-02-1220171VAHerndon38Progressive$1,740$972
2021-05-0392223CABeaumont22Travelers$3,600$3,096
2021-09-1130312GAAtlanta31National General$3,036$792
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does it cost to insure a Toyota Prius Prime

The average annual cost to insure a Toyota Prius Prime is $2,220, which is $663 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 Prime

While the mandatory liability coverage will be the cheapest option to insure your Prius Prime, 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 Prime

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.

Your age

The cost of insurance for a Toyota Prius Prime 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 Prime 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 Prime:
Age Groups
Average Cost
Annual Savings with Jerry
21-24$3,600$498
25-34$3,036$1,925
35-44$1,740$523

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 Prime will be lower for an older car. These are real quotes Jerry has found for drivers of a Toyota Prius Prime based on model year:
Model year
Average Cost
Annual Savings with Jerry
2018$2,315$1,005

Your carrier

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 Prime with different carriers:
Insurance company
Average Cost
Annual Savings with Jerry
National General$3,036$2,232
Mercury$2,286$1,043
Progressive$1,740$642
Travelers$3,600$498

Trim levels and vehicle materials

The Toyota Prius Prime 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 Prime.

How can I save money when insuring my Toyota Prius Prime

The Toyota Prius Prime has slightly more expensive insurance than most compacts. That said, there are several ways you can reduce the overall cost of your car insurance.

Comparison shop

Hands down, comparison shopping is the best way to save money on car insurance. And with a little help from the comparison shopping and broker app Jerry, it can also be the easiest way!
Comparison shopping involves gathering up as many car insurance quotes as possible, comparing their policies, and then choosing the one that suits you best. Without help, this can be a lot of work. So why not let Jerry do all of that work for you instead?
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy!
The average Jerry user saves $897 per year on their car insurance.
Key Takeaway Use Jerry for quick and easy comparison shopping, so you can find the best deals on the best car insurance policies.

Opt for a lower trim level

With most cars, opting for a lower trim level reduces the overall cost of your vehicle—and, by extension, your insurance costs. But this isn’t quite as straightforward with the Toyota Prius Prime.
The base model Toyota Prius Prime LE has several security and safety features that can save you money. But the Toyota Prius Prime Limited comes standard with clearance sonar, parking assist, blind-spot monitoring, and rear cross-traffic detection. Those features may actually save you money on car insurance if you decide to upgrade.

Skip the extra features

The Toyota Prius Prime LE doesn’t have any additional packages you can add on, but it does have some accessories. All-weather floor mats, nicer wheels, and other aesthetic and comfort accessories will drive up the price of your car and your insurance costs.
And while some trim levels increase the car’s safety and security, these accessories don’t.

Invest in anti-theft and safety features

The Toyota Prius Prime comes standard with very impressive safety and security features, which add up to savings on car insurance. But whereas most makes and models have packages and accessories that enhance safety, the Prius Prime only has elevated trim levels with better safety features.
Investing in the Premium trim won’t reduce your insurance costs enough to warrant the higher price tag. But they do make your car safer, so consider that when making your decision on which trim level to choose.

Keep a clean record

Maintaining a clean driving record will keep your insurance rates as low as possible—and prolonged good driving can lower them even more.
Accidents, speeding tickets, reckless driving, and texting while driving can all cause your insurance rates to climb, if not skyrocket. Never drive without insurance, either. Long-term behavior behind the wheel has a major impact on car insurance rates.

Look for discounts

Keep an eye out for promotional letters or emails from your insurance company as they might contain special deals that can save you money on your insurance.
And if you find yourself on the phone with your insurance company, always take a moment to ask if they have any deals going on that you aren’t aware of.

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