Toyota Mirai Insurance Rates
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UPDATED: Jun 2, 2024
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U.S. average insurance rates for a Toyota Mirai are $1,888 a year including full coverage. Comprehensive insurance costs an estimated $402 a year, collision costs $886, and liability insurance is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $4,144 or more. Teenage drivers pay the highest rates at $6,912 a year or more.
Average premium for full coverage: $1,888
Price estimates broken down by individual coverage:
Includes $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Mirai trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota Mirai insurance prices go from the low end price of $496 for your basic liability-only policy to a high of $4,144 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.
The diagram below illustrates how where you live affects insurance prices.
The ranges above highlight why it is important to compare rates quotes for a targeted area, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down estimated Toyota Mirai insurance rates for other coverage scenarios.
- The best discount rate is $1,042
- Raising to $1,000 deductibles will save approximately $1,598 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,888
- Using low $100 deductibles will cost an additional $576 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $4,144 or more
- The price that insures a teen driver can cost as much as $6,912
Car insurance prices for a Toyota Mirai are also quite variable based on the trim level of your Mirai, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $2,300 to $3,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 136% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $6,900 a year. View Rates by Age
The state you live in also has a big influence on Toyota Mirai insurance rates. A middle-age driver might find prices as low as $1,450 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,700 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,710 | -$178 | -9.4% |
| Alaska | $1,450 | -$438 | -23.2% |
| Arizona | $1,570 | -$318 | -16.8% |
| Arkansas | $1,888 | -$0 | 0.0% |
| California | $2,154 | $266 | 14.1% |
| Colorado | $1,804 | -$84 | -4.4% |
| Connecticut | $1,942 | $54 | 2.9% |
| Delaware | $2,138 | $250 | 13.2% |
| Florida | $2,364 | $476 | 25.2% |
| Georgia | $1,744 | -$144 | -7.6% |
| Hawaii | $1,358 | -$530 | -28.1% |
| Idaho | $1,278 | -$610 | -32.3% |
| Illinois | $1,408 | -$480 | -25.4% |
| Indiana | $1,424 | -$464 | -24.6% |
| Iowa | $1,274 | -$614 | -32.5% |
| Kansas | $1,796 | -$92 | -4.9% |
| Kentucky | $2,580 | $692 | 36.7% |
| Louisiana | $2,798 | $910 | 48.2% |
| Maine | $1,164 | -$724 | -38.3% |
| Maryland | $1,560 | -$328 | -17.4% |
| Massachusetts | $1,512 | -$376 | -19.9% |
| Michigan | $3,284 | $1,396 | 73.9% |
| Minnesota | $1,582 | -$306 | -16.2% |
| Mississippi | $2,264 | $376 | 19.9% |
| Missouri | $1,676 | -$212 | -11.2% |
| Montana | $2,030 | $142 | 7.5% |
| Nebraska | $1,490 | -$398 | -21.1% |
| Nevada | $2,264 | $376 | 19.9% |
| New Hampshire | $1,360 | -$528 | -28.0% |
| New Jersey | $2,112 | $224 | 11.9% |
| New Mexico | $1,674 | -$214 | -11.3% |
| New York | $1,992 | $104 | 5.5% |
| North Carolina | $1,088 | -$800 | -42.4% |
| North Dakota | $1,548 | -$340 | -18.0% |
| Ohio | $1,306 | -$582 | -30.8% |
| Oklahoma | $1,942 | $54 | 2.9% |
| Oregon | $1,732 | -$156 | -8.3% |
| Pennsylvania | $1,804 | -$84 | -4.4% |
| Rhode Island | $2,522 | $634 | 33.6% |
| South Carolina | $1,710 | -$178 | -9.4% |
| South Dakota | $1,596 | -$292 | -15.5% |
| Tennessee | $1,656 | -$232 | -12.3% |
| Texas | $2,278 | $390 | 20.7% |
| Utah | $1,400 | -$488 | -25.8% |
| Vermont | $1,294 | -$594 | -31.5% |
| Virginia | $1,134 | -$754 | -39.9% |
| Washington | $1,460 | -$428 | -22.7% |
| West Virginia | $1,732 | -$156 | -8.3% |
| Wisconsin | $1,308 | -$580 | -30.7% |
| Wyoming | $1,684 | -$204 | -10.8% |
Using high physical damage deductibles can reduce prices by up to $870 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Mirai | $476 | $990 | $390 | $2,014 |
| 2023 Toyota Mirai | $458 | $982 | $398 | $1,996 |
| 2022 Toyota Mirai | $442 | $958 | $416 | $1,974 |
| 2021 Toyota Mirai | $426 | $918 | $430 | $1,932 |
| 2020 Toyota Mirai | $402 | $886 | $442 | $1,888 |
| 2019 Toyota Mirai | $388 | $822 | $452 | $1,820 |
| 2018 Toyota Mirai | $372 | $774 | $456 | $1,760 |
| 2017 Toyota Mirai | $356 | $694 | $460 | $1,668 |
Rates are averaged for all Toyota Mirai models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Toyota Mirai Insurance
Getting lower rates on Toyota Mirai insurance consists of not taking risks behind the wheel, having a positive credit history, being claim-free, and not having any coverage lapses. Compare prices at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The following is a recap of the car insurance concepts touched on in the above illustrations.
- High-risk drivers that have major violations or accidents could be charged and average of $2,260 more annually for Mirai insurance
- You may be able to save approximately $240 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $875 each year
- Drivers who want higher liability limits will pay an extra $490 per year to raise from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,912 |
| 20 | $4,428 |
| 30 | $1,990 |
| 40 | $1,888 |
| 50 | $1,726 |
| 60 | $1,696 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,464 |
| $250 | $2,196 |
| $500 | $1,888 |
| $1,000 | $1,598 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,888 |
| 50/100 | $1,976 |
| 100/300 | $2,087 |
| 250/500 | $2,374 |
| 100 CSL | $2,021 |
| 300 CSL | $2,264 |
| 500 CSL | $2,441 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,942 |
| 20 | $7,066 |
| 30 | $4,254 |
| 40 | $4,144 |
| 50 | $3,956 |
| 60 | $3,924 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $104 |
| Multi-vehicle | $101 |
| Homeowner | $26 |
| 5-yr Accident Free | $154 |
| 5-yr Claim Free | $126 |
| Paid in Full/EFT | $96 |
| Advance Quote | $101 |
| Online Quote | $138 |
| Total Discounts | $846 |
Discounts are estimated and may not be available from every company or in every state.
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