Prius more expensive to insure than a performance car.

The previous car was a 2014 WRX. 263HP, turbo, AWD, and a huge boy-racer following. These cars get wrecked by wannabe rally/street racers who think "AWD, YO!" gives unlimited traction at any speed and in any conditions.

I'm late-40s. No tickets in 15 years. No accidents. Live in a major city. Switched to a 2016 Prius and my premiums went up $240/year. My insurer (State Farm) says it's due to the car being two years newer and the driving style/accident statistics related to Prius drivers. So... Apparently you all are running some sort of Prius only "Death Race 2020" sort of thing and I want in. ;)

Really though... What gives? Cost to repair? Theft?

in priusby FahrenheitGhost

89%

5.0y

cascalonginess

5.0y

Try changing insurance companies.

[deleted]

5.0y

I will second this. I had State Farm until recently. They dropped us due to comp claims and a road service call.

Turns out I got a better rate through Geico.

craag

5.0y

State Farm is super picky about who they insure. I got dropped from them when I was in high school 15 years ago. I think their business model is to go after the super safe drivers and hang onto them. I also think they are very generous if you need to make a claim.

Thenarek

5.0y

I have State Farm and they have yet to drop me but they did drop my brother but that was entirely his fault, also took out my VW Jetta and added the Prius and mine actually went down

[deleted]

5.0y

2 deer collisions, a broken windshield in my truck, a mysterious exploding back window in a Jetta and a roadside service claim over a period of 5 years. No tickets. 1 deer and both glass claims were with Nationwide. I switched to State Farm because they offered a better rate when Nationwide upped rates.

I will say the claims service was great when we did use it. But if you use it for minor things and get dropped that is not a company I can recommend.

portlyjalapeno

5.0y

It gets a lot of use as a taxi vehicle in a lot of cities

tsdguy

2021 Prius eAWD XLE

5.0y

Wouldn’t have anything to do with non-commercial insurance.

Slick26

2010 Prius 3 Blizzard Pearl

5.0y

My 2010 Prius is more expensive per month to insure than my almost $50,000 2018 RAM 1500. So I totally understand where you are coming from. It’s weird.

mcarp22

'10 Prius III Solar Roof

5.0y

My Prius and Cayman both cost about the same to insure.

monsterjammo

5.0y

I have a 2017 Prius and my husband has a 2018 wrx STI and his is more to insure (not like, significantly more, but there's a decent difference, maybe several hundred annually?). Shop around for insurance companies! (Side note, he'll never admit it, but the Prius is so much more comfortable. 😉)

monsterjammo

5.0y

Also, just realized that my Prius is $240 a year more than my 2004 Focus was with 150k miles on it. So yeah. This ones on state farm!

bigbadsubaru

5.0y

I went from a Corolla to the Prius and my insurance went down, the 99 Corolla cost more to insure than my 2010 Jetta, and when I asked my insurance co they said it was because Corollas are popular with first-time drivers so the accident rate is higher.

[deleted]

5.0y

Really want to know? Idiot drivers that need not drive any car using car share Prii is a big part.

Honestly, I live near Ithaca NY and there are a LOT of Prii there. Most are dented and scraped. Most of the drivers are paying attention to a mocha latte and a sprout sandwich all while texting and listening to a self help podcast about being a good person instead of actually driving.

Blame those folks.

FahrenheitGhost

5.0y

This reply made my day. :D I know some of these people!

[deleted]

5.0y

Hahahahaha. Me too!

tsdguy

2021 Prius eAWD XLE

5.0y

What a pile of crapola.

[deleted]

5.0y

Do you live here? If not then you haven’t seen it. If so you are blind. Or maybe in denial.

tsdguy

2021 Prius eAWD XLE

5.0y

Are maybe you observations are incorrect?

[deleted]

5.0y

I will admit my description of these folks is quite over the top and stereotypical but my observations have been over a period of 30 years of working in Ithaca and the surrounding communities and I can assure you they are quite accurate.

Take-a-RedPill

1mo

Interesting observations. I believe that's what you've seen locally. People stetotyoe themselves in microcultures. Are you also racist, antisemitic, and sexist based on your local observations?

Catmom2004

2011 Prius 2

5.0y

I went to university in Ithaca 40 years ago (yikes). I have many fond memories of that beautiful region near Lake Cayuga...:) There were no podcasts then, for sure!

[deleted]

5.0y

Ithaca has changed a LOT in the last 40 years. It is a very beautiful part of the country. I live 30 miles away closer to Seneca lake.

Catmom2004

2011 Prius 2

5.0y

Yeah, I went back to Cornell in about 1993 and even the campus had lost some of it's beauty due to what I saw as overbuilding of many new research facilities. :( Those are not what make the Ithaca area and the campus so lovely. Sigh

[deleted]

5.0y

No they are not. Collegetown is a huge eyesore in my opinion. The Cornell campus has such amazing architecture and then there’s the buildings you speak of. Ugh. I tend to appreciate the natural wonders we are blessed with living here.

Catmom2004

2011 Prius 2

5.0y

Yeah, the gorges are incredibly beautiful.

Sadly, jumping into them ("gorging out" in Cornell-ese) was a favorite method of suicide for all the years I was there. (3+).

I imagine that hasn't changed.

[deleted]

5.0y

The only thing that has changed there is they have installed ugly nets and fences on the bridges to help prevent success in those attempts. Saddest part of that is most times it’s some of the most brilliant scholars that take that route.

Catmom2004

2011 Prius 2

5.0y

My belief is that you never really know what troubles ppl are facing. No matter how perfect things might look on the outside, everyone has difficulties.

[deleted]

5.0y

I’ll second that!

[deleted]

5.0y

Apparently enough of them are in this subreddit that you started getting downvoted.

[deleted]

5.0y

Oh no. The internet points system that awards karma for random shit posts and takes it away for telling truths. Funny system. Lmao!🙄

itsorange

2012 Prius V tech

5.0y

It is because they tend to be involved in more crashes because they tend to be used as commuter vehicles. It is also due to the cost of repairs. I'm guessing all the nanny electronics in the bumper and being that it is all from the dealer since its so new really adds up when you get in a minor fender bender.

With that said, I'm still surprised a bit. It could be due to the value of the vehicle if it is brand new. Also, shop the rates. My Prius is pretty reasonable to insure and I'm with AAA.

NeedRez

5.0y

Ran over trash on the highway, $3K insurance claim from engine damage, but dozens of other cars cleared it before me. Might not be a rare event.

the_average_homeboy

5.0y

Your insurance company is full of shit then.

FahrenheitGhost

5.0y

Yeah. Possibly. I figure it doesn't hurt to call around and get some rates for mother companies to compare.

peacefulblade

5.0y

My insurance with Allstate only went up $20 when I switched it from my 2002 nissan to a2014 prius c. Maybe switching is your best option.

ppfftt

2010 Prius IV

5.0y

I wonder if the windshield issue has anything to do with this. The windshield of 2016 and 2017’s are prone to crack at random and are expensive to replace. The glass itself is like $400 and the safety features require a $500 recalibration when the windshield is replaced.

When I bought my 2010 in 2011, the dealer mentioned that a lot of Prius drivers have trouble with denting the bumpers at the front corners. The design of the front pillars does cause a sizable blind spot in those areas, which I don’t think changed in the 2016 redesign.

slaylificient

'06 Prius

5.0y

Toyota has quoted me $800 to replace the windshield but I didn’t know it was due to some kind of recalibration. I have a 2006, I’m just going to a local place to replace the windshield. I don’t see what safety features would be effected for mine, since it’s quite old, but I’ll ask about that.

Those pillars are a pain in the ass. My biggest compliant so far.

ppfftt

2010 Prius IV

5.0y

Your windshield replacement should cost under $300. The 2016 has a different windshield glass and different safety features. You don’t have anything on a 2006 that would cause a high priced windshield replacement. Go find an independent auto glass repair shop (not SafeLite).

slaylificient

'06 Prius

5.0y

Yeah I’m quoted $215 already from a local independent place. I guess the higher Toyota priced glass is just bcs it’s from the dealership and has the black dotted fading at the top. Lame. Thanks.

ppfftt

2010 Prius IV

5.0y

I had mine replaced at an independent shop last year for $245 and it has the same fading. Looks exactly the same as the original windshield.

beforeburner

5.0y

yeah that seems backwards. my premium went down when switching from a 2wd suv