Toyota Prius insurance group
Compare car insurance costs for your Toyota Prius based on your age and location.
The Toyota Prius is one of the most well-known hybrid vehicles available to buy. It’s very fuel-efficient and offers plenty of room in the cabin, plus there are plenty of useful features that come as standard too. In this guide, you’ll learn how much it could cost to insure based on the driver’s age and location.
What insurance group does a Toyota Prius fall under?
Every vehicle on the road is assigned a specific insurance group based on how expensive it is to insure. These groups range from 1 (cheapest to insure) to 50 (most expensive) which helps insurers determine the cost of your premium. Toyota Prius models can be found in insurance groups 13 to 22, so the cost of insurance is likely to be on the cheap side.
The costs may vary depending on your choice of Toyota Prius and what insurance group it appears in. As an example, a 30-year-old driver in an average postcode could pay around £756 for cover on a Toyota Prius Active 1.8 VVT-i Hybrid auto (02/2019 on) 5d, or around for a Toyota Prius Excel Plug-in 1.8 VVT-i Hybrid 5d.
You can find the insurance group, and likely cost, of your Toyota Prius model in the table below.
Toyota Prius insurance cost by location
The table above shows the average cost of Toyota Prius insurance, based on insurance groups and driver age. However, there are many other factors which will impact the cost of your car insurance premiums.
One of the biggest factors is your home address. To show the power of the home address, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Toyota Prius 1.8 VVTi Excel 5d CVT Auto.
- Expensive: £913 (London SE1)
- Average: £768 (Newcastle NE1)
- Cheap: £558 (Galashiels TD1)
Which factors affect my Toyota Prius insurance rate?
Along with insurance group, there are a number of key factors that have the biggest impact on your insurance premium costs:
- Engine type and capacity. As a general rule, the larger the engine, the higher the cost of your insurance. For example, an average 30-year-old may pay £768 for the 1.8-litre Toyota Prius 1.8 VVTi Active (Nav) 5d CVT, but could pay around £830 for the Toyota Prius Excel Plug-in 1.8 VVT-i Hybrid 5d.
- Driver location. Insurers will use your home address to determine the chances of your car being stolen or involved in an accident, based on previous claims data. If you live in an area where drivers are more likely to make a claim, you’ll pay more for your car insurance. For example, a 30-year-old in central London may pay £972 for insurance for a Toyota Prius Business Edition Plus Plug-in Hybrid 1.8 VVT-i auto 5d, while the same 30-year-old in Newcastle may only pay £816. That’s a £156 difference between the two cities, because motorists in London are statistically more likely to make a claim on their car insurance.
- Driver age. The youngest drivers are statistically the most likely to claim on their car insurance, and that’s why they have to pay more for it. As an example, the average 20-year-old driver in London may pay £1,588 for the Toyota Prius 1.8 VVTi Excel 5d CVT Auto, while the average 40-year-old Londoner will only pay £832. As you can see, in this example, the average 20-year-old would have to pay almost double to insure a Toyota Prius.
Other factors that influence the cost of your insurance include:
- Your marital status
- Your car’s safety rating score
- The model and age of your car
- Your car’s security features
- Your car’s extra anti-theft precautions
- Annual miles driven
- Your credit history
- Your occupation
- Your driving history and activity
- Your no-claims discount
How can I save on my Toyota Prius premiums?
When searching for car insurance, take the time to find the best deal for a price within your budget. There are plenty of tricks you can try to lower the cost of your premium, and we’ve listed them below.
- Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
- Pay annually rather than monthly. When you pay annually for car insurance, you eliminate the possibility of being charged interest on monthly repayments.
- Install extra safety precautions. The safer you can make your car, the less risky it will be for companies to insure. That’s why you’re quite likely to lower your premium by adding extra safety measures.
- Shop around for the best deal using price comparison websites. Don’t just settle for the renewal price offered by your existing insurer – there may be cheaper options out there!
The Toyota Prius is one of the best hybrid cars available to buy in the UK, and you can expect to pay below the average rate to insure it. Better yet, the tips in this guide will help you to reduce your premiums.
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