1. Attachments are working again! Check out this thread for more details and to report any other bugs.

Gen 2 Insurance Rates

Discussion in 'Gen 2 Prius Main Forum' started by alex rodriguez, May 22, 2017.

Tags:
  1. alex rodriguez

    alex rodriguez Junior Member

    Joined:
    Oct 21, 2014
    39
    7
    0
    Location:
    Phoenix,AZ
    Vehicle:
    2008 Prius
    Model:
    N/A
    Hello all I was curious on what I should be paying for my insurance for my 2008 Prius.
    I'm about to be 26 yrs old I have never filed any claims, no accidents, no tickets, nada! :) right now I have GEICO and I have been paying 129$ a month for the past two years. It recently went down to 119$ before that I was paying 198$ a month with State Farm. My credit score is around 735 (not sure if this really matters I hear some say it helps with rates).

    Is this normal? I feel like it's so much for an almost 10 year old car. My Prius has 137k miles I drive only about 150 miles a week if I'm not doing anything. My friend just got a 2017 corolla le and is paying 143$ for full coverage.

    Any help or insight would be greatly appreciated :)
     
    #1 alex rodriguez, May 22, 2017
  2. DonDNH

    DonDNH Senior Member

    Joined:
    Feb 3, 2004
    1,711
    654
    0
    Location:
    Nashua, NH
    Vehicle:
    2016 Prius
    Model:
    Four Touring
    Age, garaging zip code, and Make/Model are the primary factors in your rate; however most companies are using a service that rates you as an individual call an "insurance score". One factor in an insurance score is your credit history and current credit score.
     
    #2 DonDNH, May 22, 2017
  3. eman08

    eman08 Active Member

    Joined:
    Aug 21, 2016
    360
    192
    0
    Location:
    US
    Vehicle:
    2009 Prius
    Model:
    ----USA----
    It varies from state to state and agency. I'm 30 years old and it only cost 99 bucks for full coverage on my 09 model through Progressive. I have a clean record too.
     
    #3 eman08, May 22, 2017
  4. edthefox5

    edthefox5 Senior Member

    Joined:
    Jul 25, 2007
    10,096
    4,795
    0
    Location:
    Clearwater, Florida
    Vehicle:
    2007 Prius
    Model:
    Two
    It depends on your deductible amount and your min fault coverage which is usually 10,000.
    Personal injury which if u crash into someone a ambulance ride and an MRI and 10 hours in the ER eat it right up.
    From there on out it comes out of your pocket. So min personal injury is stupid.

    So bad idea to have minimal personal injury.

    Oh and it depends on if u have collision or not. And if u own your own home or not and if u live in a state with alot of meth heads who drive around uninsured like the lovely state I live in and especially in Kentucky.

    So it ......depends
     
    #4 edthefox5, May 23, 2017
    Last edited: May 24, 2017
  5. Moving Right Along

    Moving Right Along Senior Member

    Joined:
    Dec 29, 2016
    687
    539
    0
    Location:
    USA
    Vehicle:
    2009 Prius
    Model:
    N/A
    Like others have said, your insurance rate is going to vary based on
    1. Your driving record
    2. Your age
    3. Your address
    4. Your car
    5. Your gender
    6. How long you have been with the insurance company
    7. Your coverage preferences
    8. Whether you have other insurance policies with the company
    9. Which company you are insured by
    10. And in some cases, your credit score
    My mix of factors works out to roughly $90 per month to insure my 2009 Prius
     
    #5 Moving Right Along, May 23, 2017
  6. ePWR

    ePWR Member

    Joined:
    Jan 15, 2017
    131
    137
    0
    Location:
    PRIUSchat
    Vehicle:
    2016 Prius
    Model:
    Three
    I'm twice the OP's age. Perfect driving record. 25 years with same company. Insurance cost for my '16 is ridiculously high. I'm going back to driving my 1998 Chevy pickup. And don't have to worry about damn tailgaters! :)
     
    #6 ePWR, May 24, 2017
(You must log in or sign up to post here.)