Welcome to PriusChat

We'd love to have you join our community and participate in the conversation! Sign up for FREE today.

Sign Up

Insurance

Discussion in 'Gen III 2010+ Prius Main Forum' started by markabele, Apr 5, 2012.

Social Buttons

  1. markabele

    markabele Senior Member

    Joined:
    Mar 27, 2012
    Messages:
    3,401
    Likes Received:
    714
    Location:
    Nebraska
    Your Vehicle Year:
    2013 Prius Plug-in
    Model:
    Plug-in Base
    Sorry if this has been talked about a ton but a search yielded very little help.

    What are people paying for insurance on their 2010-2012 Prius? I could use some guidance on this since I'm in the planning stages of buying a 2012. Thanks!
  2. Big Steve

    Big Steve ramblin wreck

    Joined:
    Mar 5, 2012
    Messages:
    399
    Likes Received:
    36
    Location:
    Richmond VA
    Your Vehicle Year:
    2012 Prius
    Model:
    Four
    Don't remember specific totals, but today committed to buy a 2012 Prius IV with Solar Roof. Insurance will be only $11 a month more than the 1997 Camry with 188K miles it is replacing!
  3. maoira

    maoira Junior Member

    Joined:
    Dec 12, 2011
    Messages:
    82
    Likes Received:
    14
    Location:
    St Paul, MN (formally from San Diego, CA)
    Your Vehicle Year:
    2011 Prius
    Model:
    II
    Insurance will vary with location and the person driving. Best way to find out is to call your insurance and they can quote you. But to give you a point of reference. I budget about $84 a month. Full coverage, 21st century and I'm 29 in SoCal. So my 6 month premium is around $500.
  4. cycledrum

    cycledrum PSOCSOASP

    Joined:
    Apr 9, 2008
    Messages:
    7,308
    Likes Received:
    845
    Location:
    NorCal
    Your Vehicle Year:
    2011 Prius
    Model:
    Three
    $1k / year for 100k/300k bodily injury and uninsured motorist*
    100k 250 comp 500 collision deduct.

    2011 Prius plus '88 toyota pickup

    * do not get minimum 15/30k BI and UI , that would be insane. Costs only a little more to get even to 250k/500k coverage which is not unreasonable these days.
  5. p00kienrayray

    p00kienrayray Active Member

    Joined:
    Mar 14, 2012
    Messages:
    706
    Likes Received:
    129
    Location:
    Long Beach, CA
    Your Vehicle Year:
    2013 Prius
    Model:
    Three
    If its a ballpark you're looking for, there are too many factors to look at and everyone will have different premiums, i.e., age, marital status, multi-car/vehicle/home/etc, experience, history, location, sex, driving frequency, multi-drivers, student, which insurer/coverage and so forth. I personally pay $40/mo full coverage with $1000 deductible. I have a clunker on the account and renters ins to bring the rate down with state farm. Just get quotes so you can get accurate ideas.
  6. yeldogt

    yeldogt Member

    Joined:
    Jan 20, 2012
    Messages:
    342
    Likes Received:
    29
    Location:
    NE
    Your Vehicle Year:
    2011 Prius
    Model:
    Five
    The Prius should have no major difference in rates vs another similarly priced car within the same class - mine is within $50.00 of others on the policy. I added an enhanced GAP to mine because I bought the Prius with no money down and 0% for 5 years -- so it will be underwater for a while. I think this was $30.00.
  7. jhinsc

    jhinsc Active Member

    Joined:
    Nov 25, 2010
    Messages:
    1,156
    Likes Received:
    248
    Location:
    South Carolina
    Your Vehicle Year:
    Other Non-Hybrid
    Model:
    N/A
    My 2010 Prius IV's premium is $550/yr - full coverage. Agree with recommendation to NOT buy minimum coverage - worthless if you have an accident. Having insurance does not absolve one of financial responsibility in an accident. You can be sued for cost of damages that exceeds your policy limits, assuming you're at fault. Rule of thumb: Buy the amount of insurance you think you could potentially be sued for.
  8. yeldogt

    yeldogt Member

    Joined:
    Jan 20, 2012
    Messages:
    342
    Likes Received:
    29
    Location:
    NE
    Your Vehicle Year:
    2011 Prius
    Model:
    Five
    The price difference has all to do with the coverage desired and the particular state you reside -- You should not make your decision based on what others in another state are paying.

    You need to purchased enough to protect your assets and to provide for your own protection should another driver injure you and be uninsured or underinsured. Many people don't carry enough to protect from the latter.
  9. massparanoia

    massparanoia Active Member

    Joined:
    Mar 27, 2012
    Messages:
    698
    Likes Received:
    466
    Location:
    Virginia
    Your Vehicle Year:
    2011 Prius
    Model:
    Three
    I live in VA and for full coverage, 100,000/300,000, 250 deductible, I pay about $70 a month. I also have $600 allowance for rental car.
  10. fattymoocow

    fattymoocow New Member

    Joined:
    Mar 29, 2012
    Messages:
    97
    Likes Received:
    7
    Location:
    Richmond, VA
    Your Vehicle Year:
    2012 Prius
    Model:
    Four


    I'm in VA as well and I do 300k/300k, $250 deductible, full coverage, but no allowance for rental car and I'm getting about $88/month for a $533 6 month premium. Hmmm..
  11. Big Steve

    Big Steve ramblin wreck

    Joined:
    Mar 5, 2012
    Messages:
    399
    Likes Received:
    36
    Location:
    Richmond VA
    Your Vehicle Year:
    2012 Prius
    Model:
    Four


    I'm in VA as well, full coverage, paying 52/mo for new Prius but:
    Multi-car discount
    Good driver discount
    Not a male under 25 (60 in fact)
    H.O. Insurance same company
    Umbrella policy too

    So as someone stated, there are many variables. Perhaps the most important was my first comment in string... Going from '97 Camry with high mileage to new Prius IV only cost 11/mo.

    Btw: State Farm
  12. HaveNoCents

    HaveNoCents Conservative Tree Hugger

    Joined:
    Dec 31, 2011
    Messages:
    299
    Likes Received:
    44
    Location:
    Crystal Beach, Texas
    Your Vehicle Year:
    2012 Prius v wagon
    Model:
    Five
    I'm paying 840 a year for 2 Prius'. Of course the county I am in is less populated so we get a huge discount for that, and I'm 62. I got my insurance through AARP who contracted it to The Hartford.

    The OP should have mentioned his age, and location to have a chance of getting a reasonably accurate ballpark number.
  13. markabele

    markabele Senior Member

    Joined:
    Mar 27, 2012
    Messages:
    3,401
    Likes Received:
    714
    Location:
    Nebraska
    Your Vehicle Year:
    2013 Prius Plug-in
    Model:
    Plug-in Base


    Sorry, you're right. I live in Lincoln, Nebraska and I'm 31.
  14. yeldogt

    yeldogt Member

    Joined:
    Jan 20, 2012
    Messages:
    342
    Likes Received:
    29
    Location:
    NE
    Your Vehicle Year:
    2011 Prius
    Model:
    Five
    Full coverage is a meaningless term --

    The difference within the same class will show up in the collision premium -- possibly a little in the Liability.


    fattymoocow -- you have a better policy -- it will cost a bit more. The rental will only add a few dollars to the policy.


    The mistake people make is to lower the limits or remove coverage to save money. I have high limits and high deductibles. Insurance should be for catastrophic occurrences -- not glass chips.


    Ask what 500/500 also called CSL (combined single limit) costs with a 500 or 1k deductible and UI/UM at the same limits -- then you can see the way a particular company does its rates. Or lower limits like 300CSL and an Umbrella policy.

    Combining policies normally does result in reduced rates.
  15. markabele

    markabele Senior Member

    Joined:
    Mar 27, 2012
    Messages:
    3,401
    Likes Received:
    714
    Location:
    Nebraska
    Your Vehicle Year:
    2013 Prius Plug-in
    Model:
    Plug-in Base
    Anyone use Geico? How close are they to their quotes when you finally buy your insurance?
  16. krazypriuslady

    krazypriuslady Member

    Joined:
    Mar 17, 2012
    Messages:
    228
    Likes Received:
    10
    Location:
    metro Wash DC
    Your Vehicle Year:
    2011 Prius
    Model:
    Three
    I use AAA insurance written thru Travelers and have huge coverage esp if I cause bodily damage - don't want 1 accident to delete my life savings from their medical bills.
    Anyway, my difference in premium was $8 more per 6 months between a brand new 2011 prius and a 10 yr old audi, everything else stayed the same. I was shocked!!
  17. markabele

    markabele Senior Member

    Joined:
    Mar 27, 2012
    Messages:
    3,401
    Likes Received:
    714
    Location:
    Nebraska
    Your Vehicle Year:
    2013 Prius Plug-in
    Model:
    Plug-in Base
    I'm just really confused because Geico is telling me around $250/6 months but every other carrier is around $800-$1000/6 months. That is a crazy difference.
    1 person likes this.
  18. tumbleweed

    tumbleweed Senior Member

    Joined:
    Oct 3, 2005
    Messages:
    4,070
    Likes Received:
    650
    Location:
    Eastern Oregon
    Your Vehicle Year:
    2010 Prius
    Model:
    V
    Far more dependent on your driving record, credit score, and where you live than what kind of car you drive. Also higher deductibles will lower rates, there are multi-car discounts, and it helps if you have other insurance with the same company.

    All other factors being equal I paid a little less to insure the Prius when it was new than I did to insure my 4 year old BMW. Probably due to the fact that not many Prius are stolen and Toyotas are cheaper to fix than German cars.

    I live in a small town, have a good driving record and high deductibles and I probably pay less for full coverage than almost anyone else on this forum.
  19. kalome

    kalome Member

    Joined:
    Oct 3, 2011
    Messages:
    402
    Likes Received:
    68
    Location:
    Arizona
    Your Vehicle Year:
    2015 Prius Plug-in
    Model:
    Plug-in Base
    Clean record
    2012 package 3
    $81.83 a month/$491.00 for the 6 months.
    100/300 for bodily injury/uninsured motorist/etc.
    500 deductable, full glass no deductable. 30 a day for 30 days car rental ($900.00).
    Arizona
  20. theprius

    theprius Junior Member

    Joined:
    May 26, 2011
    Messages:
    34
    Likes Received:
    3
    Location:
    NY
    Your Vehicle Year:
    2011 Prius
    Model:
    III
    I have Geico but after this 6 month commitment I am on i'm looking to get State Farm. Its about 70 more expensive but the special care i'm getting is worth it I believe.