How much is insurance on a Toyota Prius Prime?

Priced for the 2024 Prius Prime, 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 Prime's rank is the same in every state.

Why the Toyota Prius Prime 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. For the Toyota Prius Prime plug-in hybrid, on HLDI's scale where 100 is an average car and lower is better, it reports 109 for crash repairs, 92 for non-crash damage, and 66 for damage to others' property.

• Crash repairs (collision)fixing this car after a crashAverage9% worse than average5th best of the 12 small four-door cars we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage8% better than average8th best 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 faultBetter than average34% better than averagebest 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 costInsufficient dataNo result from HLDI for this model

HLDI doesn't publish a result for injuries to others on this model, so it's marked “Insufficient data”.

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 Prime comes out about 4% worse than average. We count about half of that difference, so the part of the bill that fixes the car is about 2% more than average: about $970 a year vs $950. On the liability side, HLDI publishes damage to others' property but not injury claims for the Prius Prime, so we go by that one result: about 34% better than average. We count about half, so that part is about 18% less: $820 a year vs $990.

How the math works

The Toyota Prius Prime is a plug-in hybrid (a midsize car by EPA size class) grouped by HLDI with small four-door cars, combining dual-powertrain repair costs on the Prius Prime with its own loss history.

Matched to HLDI series “Toyota Prius Prime plug-in hybrid” (HLDI, 2022–24 models).

A used Toyota Prius Prime, 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 Prime (0–3 years old)	about $1,790	about $820	+$1,180	about $5,130
2022 Prius Prime (4–7 years old)	about $1,670	about $820	+$1,100	about $4,790
2018 Prius Prime (8–12 years old)	about $1,600	about $850	+$1,060	about $4,600

Our catalog covers the Toyota Prius Prime across model years 2017–2027. Full coverage on a used 2018 Prius Prime (8–12 years old) runs about $1,600 a year, $180 less than on a 2024. Dropping collision and comprehensive on that 2018 brings liability-only coverage to about $850 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Toyota Prius Prime in our catalog (Prius Prime and Prius Prime SE) price within about $50 a year of each other.

On a policy of their own with a 2024 Toyota Prius Prime, a 22–25-year-old pays about $2,320 a year ($540 more than a 45-year-old), a 26–39-year-old about $1,980, and a driver 65 and older about $1,880.

Adding a 16-year-old with a Toyota Prius Prime

Because the Toyota Prius Prime starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,180 a year ($100 a month), $100 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,130 a year, about $3,950 more than sharing the family policy.

For adding a teen driver, the Toyota Prius Prime ranks 24th cheapest out of all 121 models we track. Stepping down to a used 2018 Prius Prime (8–12 years old) brings the teen add-on to about $1,060 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 Prime is the least expensive to insure. Next up is the Nissan Leaf, at about $1,890 a year.

• 2024 Toyota Prius Primeabout $1,790 (this car)
• 2024 Nissan Leafabout $1,890 ($100 more)
• 2024 Toyota Priusabout $1,910 ($120 more)
• 2024 Nissan Kicksabout $2,010 ($230 more)
• 2024 Mazda 3about $2,030 ($240 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota Prius Prime costs in your state

In six sample states, a 2024 Toyota Prius Prime runs from about $1,240 a year in Hawaii through Kentucky, Alabama, California and New Jersey to about $2,140 in Texas:

• Hawaiiabout $1,240/yr · +$820 teen
• Kentuckyabout $1,500/yr · +$990 teen
• Alabamaabout $1,580/yr · +$1,040 teen
• Californiaabout $1,760/yr · +$1,160 teen
• New Jerseyabout $2,100/yr · +$1,390 teen
• Texasabout $2,140/yr · +$1,420 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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