Cheap Toyota Prius Plug-in Hybrid Car Insurance in 2024 (Big Savings With These 10 Companies!)
Progressive, State Farm, and Erie offer the best cheap Toyota Prius Plug-in Hybrid car insurance, with rates starting as low as $52 per month. These companies provide comprehensive coverage, discounts for eco-friendly vehicles, and excellent customer service, making them ideal for Toyota Prius Plug-in Hybrid owners.
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Tim Bain
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Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Sep 12, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Min. Coverage for Toyota Prius Plug-in Hybrid
A.M. Best Rating
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1,814 reviews
Progressive, State Farm, and Erie are the top choices for cheap Toyota Prius Plug-in Hybrid car insurance, providing the best rates and comprehensive coverage.
This article explores how these insurers offer significant savings through eco-friendly discounts and exceptional customer service.
Our Top 10 Company Picks: Cheap Toyota Prius Plug-in Hybrid Car Insurance
Company Rank Monthly Rates Multi-Policy Discount Best For Jump to Pros/Cons
#1 $52 10% Budget Conscious Progressive
#2 $72 11% Rural Areas State Farm
#3 $74 12% Superior Service Erie
#4 $78 10% Military Personnel USAA
#5 $79 14% Digital Tools Geico
#6 $83 17% Nationwide Coverage Liberty Mutual
#7 $89 15% Reliable Claims Auto-Owners
#8 $92 12% Discount Variety Mercury
#9 $97 11% Teen Drivers American Family
#10 $101 10% Experienced Drivers Travelers
Discover the factors influencing insurance costs for the Toyota Prius Plug-in Hybrid, and learn tips to find the most affordable coverage. Check out insurance savings in our complete “Best Safe Driver Car Insurance Discounts.”
Our free online comparison tool above allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
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#1 – Progressive: Top Overall Pick
Pros
- Snapshot Program: Save up to 30% with Progressive’s Snapshot program, tailored for Toyota Prius Plug-in Hybrid drivers. See more details on our guide “Progressive Insurance Review & Ratings.”
- Extensive Coverage Options: Progressive provides various coverage options specifically for Toyota Prius Plug-in Hybrid owners.
- User-Friendly Tools: Access to Progressive’s easy-to-use digital tools for managing Toyota Prius Plug-in Hybrid insurance policies.
Cons
- High Deductibles: Some Toyota Prius Plug-in Hybrid insurance plans might have higher deductibles compared to competitors.
- Customer Service: Progressive’s customer service can be inconsistent, particularly for Toyota Prius Plug-in Hybrid owners.
#2 – State Farm: Best for Rural Areas
Pros
- Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies for Toyota Prius Plug-in Hybrid.
- Reliable Service: Known for reliable service, particularly beneficial for Toyota Prius Plug-in Hybrid drivers in rural areas. Learn more in our article called “State Farm Insurance Review & Ratings.”
- Telematics Program: Drive Safe & Save program can reduce rates for Toyota Prius Plug-in Hybrid owners based on driving habits.
Cons
- Limited Multi-Policy Discount: The multi-policy discount for Toyota Prius Plug-in Hybrid is lower compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels of Toyota Prius Plug-in Hybrid.
#3 – Erie: Best for Superior Service
Pros
- Excellent Customer Service: Erie is renowned for providing superior customer service, ideal for Toyota Prius Plug-in Hybrid owners. Delve into our evaluation of “Erie Insurance Review & Ratings.”
- Discounts for Safety Features: Additional discounts for Toyota Prius Plug-in Hybrid models equipped with advanced safety features.
- Lock-in Rates: Erie offers rate lock, ensuring Toyota Prius Plug-in Hybrid owners’ premiums don’t increase unexpectedly.
Cons
- Limited Availability: Erie insurance is not available nationwide, limiting access for some Toyota Prius Plug-in Hybrid drivers.
- Fewer Online Tools: Erie’s digital tools and online resources are less developed compared to competitors, affecting Toyota Prius Plug-in Hybrid users.
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#4 – USAA: Best for Military Personnel
Pros
- Exclusive Rates: USAA offers exclusive and competitive rates for Toyota Prius Plug-in Hybrid insurance to military personnel. Read up on the “USAA Insurance Review & Ratings” for more information.
- Excellent Customer Service: Highly rated customer service beneficial for Toyota Prius Plug-in Hybrid owners in the military.
- Membership Perks: Additional benefits and perks for Toyota Prius Plug-in Hybrid drivers who are USAA members.
Cons
- Eligibility Restrictions: Only available to military members and their families, limiting access for other Toyota Prius Plug-in Hybrid owners.
- Higher Rates for Non-Military: Rates might be higher for non-military affiliated Toyota Prius Plug-in Hybrid owners.
#5 – Geico: Best for Digital Tools
Pros
- Affordable Premiums: Geico offers affordable insurance premiums for Toyota Prius Plug-in Hybrid starting at $79/month. Access comprehensive insights into our guide titled “How can I pay my GEICO insurance premium?“
- Extensive Online Tools: Geico provides extensive digital tools and resources for managing Toyota Prius Plug-in Hybrid insurance.
- Telematics Discounts: Geico’s DriveEasy program offers discounts based on driving habits of Toyota Prius Plug-in Hybrid drivers.
Cons
- Limited Local Agents: Geico has fewer local agents, which may affect in-person service for Toyota Prius Plug-in Hybrid insurance.
- Higher Premiums for Young Drivers: Young Toyota Prius Plug-in Hybrid drivers may face higher premiums with Geico.
#6 – Liberty Mutual: Best for Nationwide Coverage
Pros
- Extensive Coverage: Liberty Mutual offers comprehensive coverage options for Toyota Prius Plug-in Hybrid.
- Better Car Replacement: Unique feature that replaces your Toyota Prius Plug-in Hybrid with a newer model if totaled. Discover more about offerings in our article titled “Liberty Mutual Review & Ratings.”
- Online Resources: Access to a variety of online tools and resources for managing Toyota Prius Plug-in Hybrid insurance.
Cons
- Mixed Customer Reviews: Customer service experiences can be inconsistent for Toyota Prius Plug-in Hybrid owners.
- Strict Underwriting: Some Toyota Prius Plug-in Hybrid drivers may face stricter underwriting criteria.
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#7 – Auto-Owners: Best for Reliable Claims
Pros
- Reliable Claims Service: Known for reliable claims service, beneficial for Toyota Prius Plug-in Hybrid owners.
- Multi-Policy Discounts: Save up to 15% by bundling multiple policies, including Toyota Prius Plug-in Hybrid insurance. Learn more in our article called “Auto-Owners Insurance Review & Ratings.”
- High Customer Satisfaction: High customer satisfaction ratings from Toyota Prius Plug-in Hybrid owners.
Cons
- Higher Rates: Premiums may be higher compared to some competitors for Toyota Prius Plug-in Hybrid insurance.
- Limited Digital Tools: Fewer online tools and resources for managing Toyota Prius Plug-in Hybrid insurance policies.
#8 – Mercury Insurance: Best for Discount Variety
Pros
- Affordable Premiums: Competitive rates starting at $92/month for Toyota Prius Plug-in Hybrid insurance. Check out insurance savings in our complete “Mercury Insurance Review & Ratings.”
- Multi-Policy Savings: Save up to 12% by bundling Toyota Prius Plug-in Hybrid insurance with other policies.
- Good Driver Discounts: Additional savings for Toyota Prius Plug-in Hybrid drivers with good driving records.
Cons
- Mixed Customer Reviews: Customer service can be inconsistent for Toyota Prius Plug-in Hybrid insurance.
- Limited Coverage Area: Mercury Insurance is not available in all states, limiting access for some Toyota Prius Plug-in Hybrid drivers.
#9 – American Family: Best for Teen Drivers
Pros
- Good Student Discounts: Significant discounts for teen Toyota Prius Plug-in Hybrid drivers who maintain good grades. Discover more about offerings in our article called “American Family Insurance Review & Ratings.”
- Multi-Policy Discounts: Save up to 11% by bundling Toyota Prius Plug-in Hybrid insurance with other policies.
- Teen Safe Driver Program: Unique program aimed at improving driving skills for teen Toyota Prius Plug-in Hybrid owners.
Cons
- Higher Rates for Teens: Premiums can be higher for teen Toyota Prius Plug-in Hybrid drivers despite discounts.
- Limited Availability: Not available in all states, restricting access for some Toyota Prius Plug-in Hybrid drivers.
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#10 – Travelers: Best for Experienced Drivers
Pros
- Discounts for Experienced Drivers: Travelers offers special discounts for experienced Toyota Prius Plug-in Hybrid drivers. Discover more about offerings in our guide titled “Travelers Insurance Review & Ratings.”
- Multi-Policy Discounts: Save up to 10% by bundling Toyota Prius Plug-in Hybrid insurance with other policies.
- Extensive Coverage Options: Wide range of coverage options tailored for Toyota Prius Plug-in Hybrid owners.
Cons
- Higher Premiums: Premiums may be relatively higher compared to some competitors for Toyota Prius Plug-in Hybrid insurance.
- Limited Digital Tools: Fewer online tools and resources for managing Toyota Prius Plug-in Hybrid insurance policies.
Toyota Prius Plug-in Hybrid Insurance Rates: Minimum vs. Full Coverage
When choosing car insurance for a Toyota Prius Plug-in Hybrid, the cost can vary significantly based on the coverage level and provider. The following table outlines monthly rates for both minimum and full coverage across different insurance companies.
Toyota Prius Plug-in Hybrid Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
American Family $97 $175
Auto-Owners $89 $165
Erie $74 $134
Geico $79 $152
Liberty Mutual $83 $158
Mercury $92 $168
Progressive $52 $115
State Farm $72 $128
Travelers $101 $183
USAA $78 $148
For minimum coverage, Progressive offers the most affordable rate at $52, while American Family provides the highest rate at $97. When opting for full coverage, Progressive remains the most economical choice at $115, and Travelers has the highest rate at $183.
These rates reflect the varying costs associated with different levels of protection and the value each provider offers for insuring your Toyota Prius Plug-in Hybrid. To learn more, explore our comprehensive resource on “Best Car Insurance Discounts to Ask for.”
Factors That Influence the Cost of Toyota Prius Plug-in Hybrid Car Insurance
When it comes to calculating car insurance premiums for the Toyota Prius Plug-in Hybrid, insurance providers consider several factors. One significant factor is the car’s value, as the more expensive the vehicle, the higher the insurance premium tends to be. The Toyota Prius Plug-in Hybrid is known for its innovative technology, which may contribute to a higher value and, subsequently, a higher insurance cost.
Another crucial factor is the driver’s personal history and characteristics. Insurance providers take into account factors such as age, driving experience, and previous claims when determining car insurance premiums. Younger, less experienced drivers may face higher insurance costs compared to older, more experienced ones.
If you want to learn more about the company, head to our guide titled “What is premium subsidies?”
Insurance providers also consider the driver’s location. Certain areas may have higher accident rates or higher instances of car theft, leading to increased insurance premiums. Furthermore, the driver’s credit history can play a role in determining car insurance costs. A poor credit history may lead to higher premiums, as insurance providers may consider it an indicator of increased risk for filing claims.
Additionally, the level of coverage chosen by the driver can impact the cost of car insurance for the Toyota Prius Plug-in Hybrid. Comprehensive coverage, which includes protection against theft, vandalism, and other non-collision incidents, generally comes at a higher cost compared to basic liability coverage.
The deductible chosen by the driver is another factor that can affect the cost of car insurance. A deductible is the amount the driver must pay out of pocket before the insurance coverage kicks in. Generally, a higher deductible results in lower insurance premiums, while a lower deductible leads to higher premiums.
Finally, insurance providers may consider the driver’s annual mileage and driving habits. The more a driver uses their vehicle and the longer their daily commute, the higher the risk of accidents and therefore, potential insurance claims. Insurance premiums may be adjusted accordingly based on these factors.
Another factor that can influence the cost of car insurance for the Toyota Prius Plug-in Hybrid is the driver’s occupation. Certain occupations may be considered higher risk by insurance providers, leading to higher insurance premiums. For example, professions that involve a lot of driving or are associated with higher stress levels may result in increased insurance costs.
The driver’s marital status can also play a role in determining car insurance costs. Married individuals may be eligible for lower insurance premiums compared to single individuals. This is because married couples are often perceived as more responsible and less likely to engage in risky driving behaviors.
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Understanding the Coverage Options for Toyota Prius Plug-in Hybrid Car Insurance
When it comes to insuring a Toyota Prius Plug-in Hybrid, drivers have several coverage options to choose from. Understanding these options is crucial in determining the right insurance coverage for your needs and budget.
- Liability Coverage: This is the most basic coverage required in most states and covers damages to other people’s property and injuries sustained by others in an accident where the insured driver is at fault. It does not cover damages to the insured vehicle.
- Collision Coverage: This coverage protects against damages to the insured vehicle resulting from a collision with another vehicle or object, regardless of fault. Repair costs or replacement of the vehicle are typically covered, subject to the chosen deductible.
- Comprehensive Coverage: Comprehensive coverage provides protection against damages to the insured vehicle resulting from incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Personal Injury Protection (PIP): PIP coverage covers medical expenses and other related costs for the insured driver and their passengers in the event of an accident, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This coverage protects against damages and injuries caused by an uninsured or underinsured driver who is at fault in an accident. It helps cover medical expenses and vehicle repairs if the at-fault driver cannot pay.
It is important to carefully consider the coverage options available and choose the ones that best suit your needs and provide adequate protection for your Toyota Prius Plug-in Hybrid. Unlock details in our article called “Collision Car Insurance: A Complete Guide.”
Comparing Car Insurance Quotes For The Toyota Prius Plug-In Hybrid
When it comes to insuring your Toyota Prius Plug-in Hybrid, it’s important to compare car insurance quotes to ensure you’re getting the best coverage at the most affordable price. The Toyota Prius Plug-in Hybrid is known for its fuel efficiency and eco-friendly features, making it a popular choice among environmentally conscious drivers. However, the cost of insuring this hybrid vehicle can vary depending on several factors.
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One factor that can affect the cost of car insurance for the Toyota Prius Plug-in Hybrid is the driver’s age and driving history. Younger drivers or those with a history of accidents or traffic violations may face higher insurance premiums. On the other hand, older drivers with a clean driving record may be eligible for lower rates.
It’s important to provide accurate information about your driving history when obtaining insurance quotes to ensure you receive an accurate estimate.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Frequently Asked Questions
What factors affect the cost of insurance for a Toyota Prius Plug-in Hybrid?
The cost of insurance for a Toyota Prius Plug-in Hybrid can be influenced by several factors, including the driver’s age, location, driving history, credit score, coverage limits, deductibles, and the insurance company’s pricing policies.
To find out more, explore our guide titled “Types of Car Insurance Coverage.”
Are hybrid cars generally more expensive to insure?
Hybrid cars, including the Toyota Prius Plug-in Hybrid, are not necessarily more expensive to insure compared to conventional vehicles. Insurance rates are determined by various factors, and while some insurers may offer discounts for hybrid cars due to their environmental benefits, others may not consider it a significant factor in pricing.
What are some ways to potentially lower the insurance cost for a Toyota Prius Plug-in Hybrid?
To potentially lower the insurance cost for a Toyota Prius Plug-in Hybrid, you can consider maintaining a clean driving record, opting for higher deductibles, bundling your car insurance with other policies, inquiring about available discounts (such as for safety features), and comparing quotes from multiple insurance companies to find the best rate.
Is it possible to get specialized insurance coverage for a Toyota Prius Plug-in Hybrid?
Yes, some insurance companies offer specialized coverage options for hybrid vehicles like the Toyota Prius Plug-in Hybrid. These options may include coverage for specific hybrid components, such as the battery pack, as well as coverage for any unique risks associated with hybrid technology.
Does the cost of insurance for a Toyota Prius Plug-in Hybrid vary by state?
Yes, the cost of insurance for a Toyota Prius Plug-in Hybrid varies by state due to differences in state regulations, local accident rates, and average repair costs.
For additional details, explore our comprehensive resource titled “Car Accidents: What to do in Worst Case Scenarios.”
What is the 2024 Prius insurance cost?
The 2024 Prius insurance cost varies by provider but generally starts around $52 per month for minimum coverage with Progressive.
Are Prius cheap to insure?
Yes, Priuses are generally cheap to insure due to their safety features and low repair costs.
What factors influence car insurance for Prius?
Factors influencing car insurance for Prius include the driver’s age, location, driving record, and the specific insurance coverage selected.
How much does Prius insurance cost?
Prius insurance cost varies, but minimum coverage can start as low as $52 per month with Progressive, while full coverage can be higher depending on the provider.
To learn more, explore our comprehensive resource on “Full Coverage Car Insurance: A Complete Guide.”
What should I know about Toyota Prius Plug-in Hybrid car insurance?
Toyota Prius Plug-in Hybrid car insurance is typically affordable, with Progressive offering competitive rates starting at $52 per month for minimum coverage.
How much does Toyota Prius Plug-in Hybrid car insurance cost?
The insurance cost for a Toyota Prius Plug-in Hybrid varies, with average rates ranging from $52 to $101 per month depending on coverage and provider.
By entering your ZIP code below, you can get instant car insurance quotes from top providers.
Are Toyota Prius Plug-in Hybrid cars cheap to insure?
Yes, Toyota Prius Plug-in Hybrid cars are generally inexpensive to insure, thanks to their lower risk profile and insurance groups typically ranging from 13 to 22.
What types of car insurance are available for a Toyota Prius Plug-in Hybrid?
For a Toyota Prius Plug-in Hybrid, you can choose from various coverage options including liability, comprehensive, and collision insurance, each offering different levels of protection.
Learn more by reading our guide titled “Liability Insurance: A Complete Guide.”
What is the typical insurance cost for a Toyota Prius Plug-in Hybrid?
The typical insurance cost for a Toyota Prius Plug-in Hybrid ranges from $52 to $101 per month, depending on the level of coverage and the insurer.
What factors affect the insurance rate for a Toyota Prius Plug-in Hybrid?
Factors affecting insurance rates for a Toyota Prius Plug-in Hybrid include the driver’s age, driving record, coverage level, and the insurer’s pricing model.
How long will the insurance for a Toyota Prius Plug-in Hybrid remain affordable?
Insurance costs for a Toyota Prius Plug-in Hybrid generally remain affordable due to the car’s low insurance group rating and safety features, but rates may vary with changes in driving history or coverage needs.
What is the cheapest insurance provider for a Toyota Prius Plug-in Hybrid?
Progressive is often cited as one of the cheapest insurance providers for a Toyota Prius Plug-in Hybrid, offering competitive rates starting at $52 per month.
Access comprehensive insights into our guide titled “What happens if I don’t agree with the amount the insurance company is offering me for the repairs to my vehicle?”
What insurance coverage level is recommended for a Toyota Prius Plug-in Hybrid?
For a Toyota Prius Plug-in Hybrid, full coverage insurance is often recommended to ensure comprehensive protection, but basic liability coverage can also be a cost-effective option depending on your needs.
How does the insurance cost for a Toyota Prius Plug-in Hybrid compare to other vehicles?
Insurance costs for a Toyota Prius Plug-in Hybrid are typically lower compared to many other vehicles due to its lower risk profile and favorable insurance group rating.
Is a Toyota Prius Plug-in Hybrid considered a low-risk vehicle for insurance purposes?
Yes, a Toyota Prius Plug-in Hybrid is considered a low-risk vehicle for insurance purposes, which often results in lower insurance premiums compared to higher-risk vehicles.
Find cheap car insurance quotes by entering your ZIP code below.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
