How much is insurance on a Toyota Prius?

Priced for the 2024 Prius, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Prius's rank is the same in every state.

Why the Toyota Prius costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 2 versions (Toyota Prius hybrid and Toyota Prius hybrid 4WD). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 112 for crash repairs, 110 for non-crash damage, 81 for damage to others' property, and 89 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage12% worse than average6th best of the 12 small four-door cars we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage10% worse than averageworst of the 12 small four-door cars we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage19% better than average2nd best of the 12 small four-door cars we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 11% less often than averagebest of the 11 small four-door cars we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Prius comes out about 11% worse than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 4% more than average: about $990 a year vs $950. On the liability side, damage to others and injury claims combine to about 14% better than average. We count about half, so that part is about 8% less: $920 a year vs $990.

How the math works

By EPA size class the Toyota Prius is a midsize car with a hybrid powertrain, and HLDI tracks the Prius alongside small four-door cars.

Matched to HLDI series “Toyota Prius hybrid; Toyota Prius hybrid 4WD” (HLDI, 2022–24 models).

A used Toyota Prius, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Prius (0–3 years old)	about $1,910	about $920	+$1,260	about $5,470
2022 Prius (4–7 years old)	about $1,790	about $920	+$1,180	about $5,130
2018 Prius (8–12 years old)	about $1,660	about $920	+$1,100	about $4,760
2013 Prius (13 or more years old)	about $1,580	about $990	+$1,050	about $4,540

Our catalog covers the Toyota Prius across model years 2006–2027. Full coverage on a used 2013 Prius (13 or more years old) runs about $1,580 a year, $320 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $990 a year. Each photo shows that year's generation of the car. Photo credits.

All 4 versions of the 2024 Toyota Prius in our catalog (Prius AWD, Prius AWD XLE/LTD, Prius and Prius XLE/LTD) price within about $50 a year of each other.

On a policy of their own with a 2024 Toyota Prius, a 22–25-year-old pays about $2,480 a year ($570 more than a 45-year-old), a 26–39-year-old about $2,120, and a driver 65 and older about $2,000.

Adding a 16-year-old with a Toyota Prius

Adding a new 16-year-old who drives the Toyota Prius raises the family bill by about $1,260 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,470 a year, so keeping them on the family policy saves about $4,210 a year.

For adding a teen driver, the Toyota Prius ranks 59th most expensive out of all 121 models we track. Stepping down to a used 2013 Prius (13 or more years old) brings the teen add-on to about $1,050 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small four-door cars

Among these 12 small four-door cars, the Toyota Prius is the 3rd least expensive to insure. Right next to it are the Nissan Leaf (about $1,890 a year) and the Nissan Kicks (about $2,010).

• 2024 Toyota Prius Primeabout $1,790 ($120 less)
• 2024 Nissan Leafabout $1,890 (about the same)
• 2024 Toyota Priusabout $1,910 (this car)
• 2024 Nissan Kicksabout $2,010 ($110 more)
• 2024 Mazda 3about $2,030 ($120 more)
• 2024 Toyota Corollaabout $2,070 ($170 more)
• 2024 Honda Civicabout $2,150 ($240 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota Prius costs in your state

In six sample states, a 2024 Toyota Prius runs from about $1,270 a year in North Dakota through South Dakota, Alaska, Mississippi and Maryland to about $2,290 in Texas:

• North Dakotaabout $1,270/yr · +$840 teen
• South Dakotaabout $1,530/yr · +$1,010 teen
• Alaskaabout $1,670/yr · +$1,100 teen
• Mississippiabout $1,850/yr · +$1,220 teen
• Marylandabout $2,120/yr · +$1,400 teen
• Texasabout $2,290/yr · +$1,510 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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