Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years Laura Walker

UPDATED: Apr 25, 2022

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When you’re considering the overall cost of ownership for a Toyota Prius, you need to add monthly payments, fuel costs and maintenance costs, and subtract those all-important tax credits available for owning an energy efficient vehicle.

However, one variable many would-be Prius owners forget to consider is the cost of car insurance.

How much car insurance costs for a Toyota Prius varies from person to person depending on your location, your driving record and your credit rating but research shows that average car insurance rates for the Prius are on the low end compared to other Toyota models.

Before you enter your ZIP code in the box to get car insurance rates for the Toyota Prius, read this article for more information.

About the Toyota Prius

The Toyota Prius was first introduced to U.S. consumers in 2001, and since then it has sold over 1 million units globally.

The Prius is technically classified as a hybrid electric vehicle (HEV), meaning that it combines an electric propulsion system with a traditional gasoline-powered propulsion system.

This combination allows automakers to increase the vehicle’s mileage per gallon of gasoline, while simultaneously addressing consumer concerns about the vehicle’s power and range.

The Prius has very high fuel efficiency compared to similar vehicles using internal combustion engines, and although its range is just 13 miles in electric-only mode, it has unlimited range due to its gas-power option.

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Toyota Prius Specifications

The Toyota Prius gets 51 miles per gallon on city streets, and 48 miles per gallon on the highway, which ranks it as one of the most fuel-efficient vehicles available in the United States. It currently retails for between $21,000 and $29,000, depending on the trim that the owner selects.

All Prius models are hatchbacks with 1.8 liter engines, and standard horsepower is 134. The Toyota Prius features front-wheel drive and remote engine start, and a 4-wheel anti-lock brake system.

Available add-ons for the Prius include satellite radio, fog lights, heated mirrors and alloy wheels. Keep in mind that the greater the overall price of the car is, the higher your insurance premium is likely to be.

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Safety Ratings for the Toyota Prius

Vehicle safety ratings are also an important factor in the formula for calculating car insurance rates.

Fortunately for Toyota Prius drivers, this car has received solid ratings in all safety categories from both the federal government and the Insurance Institute for Highway Safety.

The Prius earned five out of five possible stars from the federal government for protecting the driver and passenger in frontal-impact crashes and side-impact crashes, and it earned four out of five stars for protecting rear passengers and for protecting all passengers in rollovers.

The Prius also earned a rating of “Good” (the highest available) from the Insurance Institute for Highway Safety in several categories.

How much is car insurance for the Toyota Prius?

Given the Toyota Prius’ high safety ratings and relatively low overall cost, you can expect to find very reasonable car insurance rates for this vehicle.

However, the final rate still depends on individual factors like your driving habits and how safe your neighborhood is. What state you live in will also play a key factor in rates for this hybrid electric vehicle.

It also depends on the insurance company and coverage options you choose, which is why it’s important shop around and compare car insurance quotes.

Surveys of consumers indicate that the average annual insurance premium for a Toyota Prius is about $1,200, or approximately $100 per month.

However, this rate could be much higher or lower depending on your individual circumstances. Be sure to always compare car insurance companies to get the most accurate Prius insurance rates.

Use our FREE quote tool to compare insurance rates today!

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  1. How much does car insurance cost for a Toyota Camry?