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Find The Best Cheap Toyota Prius Car Insurance Quote With Help Online Now

The average cost to insurance a Toyota Prius may depend on a host of factors that include a driver’s age, gender, educational qualifications, marital status, credit history and driving record. Experts at Atozinsuranceusa.com have analyzed the decade long data pertaining to Prius insurance rates and even calculated average premiums which drivers may have to pay as per their age for getting their Prius vehicle insured. And our specialists have also studies Prius auto insurance rates provided by top rated national carriers to drivers across the United States. We have observed that there is great variance between average Toyota Prius insurance rates and actual premium pricing.

Average Monthly Insurance Rates For Toyota Prius Vehicles By Model Year And Age Group

The following table provides some information about monthly Toyota Prius vehicle insurance rates by model year and age group of drivers. Just see how much you might have to pay to get your Prius model insured based on your age.

How much Does Toyota Prius Car insurance Cost

How Much Does It Cost To Insure A Prius? Know 3 Factors That Affect Rates

The specific make and model of your Toyota Prius can have great bearing on its insurance costs apart from the factors mentioned earlier. It is to be noted here that the average insurance premium for 2019 Prius model was $1,740 yearly. But this cost may vary as companies may charge different auto insurance rates for the same Prius make and model as per perceived coverage risks which will again differ from individual driver to driver. Here is a list of 3 vital parameters that can affect your Toyota Prius insurance premiums in a big way.

  • Vehicle’s Crash test rates - Fortunately, the Toyota Prius is rated as a safe vehicle to drive. The Insurance Institute of Highway Safety (IIHS) has assigned “very good” rating for some recent Prius models and so, Prius has the “Top Safety Pick” badge. And when vehicles are considered safe to drive, they are much cheaper to insure since their probability of suffering from any major body damages is much less in the event of an accident/collision.
  • Cost of parts/components - As parts and components of Prius vehicles don’t need to be imported from abroad, they are relatively cheaper to procure because of which insurance costs could be lower. However, if certain crucial parts such as electric motor needs to be replaced or repaired post an accident then the expenses could be significantly higher. Gas powered engine motors tend to be less expensive to replace as compared to electric motors. But depending on the type of insurer that you are working with, pricing of parts and components can ensure reduction in rates.
  • Safety features in Prius cars - All new Toyota Prius versions come standard with advanced safety features such as aibag systems, pre-collision detection and warning system, intelligent parking assist, blind spot monitoring system, stability and traction control systems, etc. All such features drastically reduce the risks of the Prius vehicle meeting with an accident or collision when driven on road. Hence, insurers may extend special discount on premium as their finances aren’t under any major threat in most situations although a lot may depend on driver.

Important Safety Features That Can Impact Average Insurance Cost For Prius

Toyota Prius vehicles are known to have the most advanced safety features that involve high-end technologies at work. These safety features go a long way in preventing accidents and thefts of Prius vehicles. As per safety ratings provided by the Insurance Institute of Highway Safety (IIHS), Toyota’s Prius is considered to be one of the safest cars to drive on road. It is due to this aspect that the auto insurance cost of Prius are lower than the national average car insurance cost for sedans.

Here is some vital information regarding the types of safety features which come standard with new versions of Toyota Prius.

  • Raise your deductible - By choosing higher deductibles, you can effectively bring down premium levels by around 40% when you have reached driving age.
  • Toyota Safety Sense - Every new Toyota Prius model has the Toyota Safety Sense feature. This is basically a combination of pre-collision warning system and pedetrian detection system, the lane detection and departure warning system as also road sign assistance.
  • The Blind Spot Monitor - Latest versions like Prius - LE and Prius - LE AWD equipped with a blind spot monitoring system in tune with a rear cross traffic alert sensor that helps drivers in avoiding accidents at the time of changing traffic lanes.
  • Engine Immobilizer - This feature in new Prius cars from getting stolen or reduces chances of theft. It is because the vehicle is not able to identify the chip which is embedded in Smart Key fob that is inserted for car ignition. As a result, the engine will not start.
  • Vehicle Proximity Notification System - The VPNS or Vehicle Proximity Notification System offers alerts to driver when some objects, other car(s), truck(s) or even pedestrians are close to the vehicle. This enables prevention of an accident or collision from occurring.
  • Advanced airbags system - All new Toyota Prius versions have been provided advanced airbags system that make these vehicles safer for both drivers as well as fellow passengers. Side airbags are provided on the front side and on mounted front seats, cushion airbags on the passenger seat, there is a separate airbag near the driver’s knee, rear side airbags as well as the front and rear end curtain shield airbags.

The 2021 Toyota Prius model has been provided 10 airbags - Front impact airbags, side impact airbags, overhead airbags and knee airbags. And it also has the Star Safety System which has the following advanced safety features:

  • Active Park Assist
  • Anti-Lock Brake System (ABS)
  • Brake Assist (BA)
  • Electronic brake force distribution (EBD)
  • Front and Back parking sensors
  • Head-up Display
  • Seatbelt Pretensioners that automatically tighten seat belts of car occupants
  • Smart Stop Technology (SST)
  • Traction Control (TRAC)
  • Vehicle Stability Control

Thus, the 2021 Toyota Prius is one the best hybrid cars with much higher safety ratings as compared to other similar vehicles. The Insurance Institute of Highway Safety (IIHS) has assigned “Good” crash test ratings for the Prius and the National Highway Traffic Safety Administration (NHTSA) has given 5 stars for comprehensive crash tests. Additionally, the vehicle has an excellent gas mileage due to an underpowered engine.

Toyota Prius crash test ratings assigned by the Insurance Institute for Highway Safety (IIHS).

  • Head restraints and seats: Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Acceptable

4 Types Of Toyota Prius Insurance Coverage Features That Drivers Must Buy

To insure Toyota Prius vehicle and get complete financial protection, it is always desirable to buy car coverage which is more than what is prescribed by your state’s basic minimum. Here is some crucial information pertaining to 4 major types of coverage features that you must purchase for your Prius.
  1. Third party bodily injuries liability - This cover type will pay costs for the treatment of bodily injuries caused to third party victim(s) due to an accident involving your insured Prius within specified coverage limits. The cover will also pay financial losses suffered by victim(s) on account t of lost wages after an accident or collision. In all the states, it is mandatory for drivers to carry basic or minimum liability coverage for bodily injury.
  2. Property damages liability coverage - The feature will pay costs for repair or replacement of parts belonging to other person(s) due to an accident involving your insured Prius vehicle but again within specified coverage limits. Every state may prescribe minimum coverage limits for 3rd party property damages. But it is advisable to consult a competent local agent to know how much amount of coverage you need to purchase for ensuring adequate protection to your finances.
  3. Personal Injury Protection (PIP)/Medical Payments coverage - Depending on the state and city in which you live, you may be required to buy either of these two coverage features. Such car coverage types pay costs for bills incurred towards treatment of bodily injuries caused to the driver and fellow passengers in the insured Prius car because of an accident. But again, you must remember that the coverage levels must be adequate to protect your finances.
  4. Uninsured Motorist (UI)/Underinsured Motorist(UM) coverage - Both UI and UM Prius coverage features will pay costs for financial losses that are likely to be caused to an at-fault uninsured or under insured motorist whose vehicle happens to meet with an accident with your Prius car. If you are at-fault and other driver is uninsured or underinsured then you might have to bear expenses for resulting damages if you don’t have this coverage feature in policy.
Why Is The Toyota Prius Insurance Cost Different Than Other Toyota Models?

There could be several reasons due to which insurance costs for Toyota Prius differ from those of other Toyota models even while the coverage levels essentially remain the same. Some of them are as follows:

  • Prius safety features are different from those provided in other Tooyta variants. These include thenumber of airbags, anti-lock brakes system, adaptive cruise control, electronic stability control, lane detection and departure warning system, traction control, etc.
  • Safety and crash test ratings provided for Prius by the Insurance Institute of Highway Safety (IIHS) and National Highway Traffic Safety Administration (NHTSA) are excellent, other Toyota car versions don’t enjoy similar type of scores.
  • Overall costs for repair or replacement of Prius parts and components are different from those of other Toyota vehicle variants.
  • The size and body strength of Toyota Prius also varies from other vehicles produced by the company. For example, small cars are less likely to inflict colossal damage to other person’s property than large SUVs.
  • The chances of your Toyota Prius being stolen or theft of parts or components inside the vehicle are considerably lesser as compared to that in other Toyota variants. This is primarily because of the fact that the Prius has been provided advanced security systems like anti-theft device and electronic keys. So, thieves cannot start the vehicle’s engine with duplicate keys.

The above mentioned factors can have great influence on Toyota Prius insurance rates and so, drivers have a real chance of saving precious money. Know more about the subject today!

4 Vital Considerations For Finding Right Type Of Insurance For Toyota Prius

To save money on Toyota Prius insurance cost, you must be a safe driver with a clean driving record, have a good credit rating, drop unnecessary coverage features and determine your eligibility to get various premium discounts offered by insurers. Besides, you must invest some time in shopping and compare the best free quote estimates provided by leading national auto insurance providers like Esurance, GEICO and Progressive. And it may be also worthwhile to obtain free quotes offered by other companies. The best way to go about the task is to seek help from a certified and experienced local agent.

In any case, the following observations may be true for Toyota Prius auto insurance policies.

  • You can save up to $160 on Prius insurance premium if you conduct the shopping and quotes comparison exercise online.
  • By raising your car insurance deductible every year, you can end up saving $550 extra.
  • Teens will be charged substantially more for Toyota Prius insurance as they are considered to be high risk drivers. For a full coverage (comprehensive and collision features included) Prius policy, you can expect to pay as high as $389 monthly for your Prius insurance if you are still a teen.
  • Another category of high risk drivers are those who have got previous DUI or DWI convictions. If you are one of them then you must be ready to bear a huge cost for your Prius insurance as average premium for such drivers is around very high. Drivers with DUI/DWI convictions might be required to pay $1,480 more than what other drivers pay on an average.

You may now have some understanding about Toyota Prius insurance cost. Check current trends in insurance rates for Prius vehicles by using our specialist online services. Act now,, to make an informed decision on your purchase!

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