Toyota Mirai Insurance Rates

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UPDATED: Jun 2, 2024

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Estimated insurance rates for a Toyota Mirai are $1,888 a year for full coverage insurance. Comprehensive costs approximately $402, collision insurance costs $886, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $4,144. Teen drivers pay the most at up to $6,912 a year.

Average premium for full coverage: $1,888

Premium estimates by type of coverage:

Comprehensive $402
Collision $886
Liability $442

Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Mirai models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Toyota Mirai range from as low as $496 for your basic liability-only policy to the much higher price of $4,144 for a high-risk driver policy.

Liability Only $496
Full Coverage $1,888
High Risk $4,144

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,416
Small Cities $1,982
Large Cities $2,549

These rate differences illustrate why everyone should compare rates using their specific location and risk profile, rather than relying on price averages.

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 illustrates average Toyota Mirai insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $1,042
  • Drivers who choose higher $1,000 deductibles will pay $290 each year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,888
  • Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,464
  • High risk drivers with multiple violations and an at-fault accident could pay around $4,144
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost $6,912 a year

View Chart as Image

Toyota Mirai insurance cost comparison chart
Column chart showing Toyota Mirai insurance rates range from $1,042 to $6,912 for full coverage

Auto insurance prices for a Toyota Mirai also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,700 per year on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $6,900 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Mirai insurance rates. A 40-year-old driver could pay as low as $1,230 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,550 on average in Florida, New York, and Michigan.

Toyota Mirai Insurance Rates by State
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%

View Chart as Image

Toyota Mirai insurance rates by U.S. city

Choosing high deductibles could save up to $870 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $2,300 to $3,100 in extra premium annually, depending on your age. Toyota Mirai insurance for high-risk drivers can cost anywhere from 45% to 136% more than average. View High Risk Driver Rates

Toyota Mirai Insurance Rates by Model Year
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 Right Toyota Mirai Insurance

Finding better rates on Toyota Mirai insurance not only requires being a safe and courteous driver, but also having good credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a quick rundown of the information presented in the illustrations above.

  • It is possible to save around $240 per year just by quoting online well ahead of the renewal date
  • Teenage drivers have the highest car insurance prices, with premiums being up to $576 per month if they have full coverage
  • Increasing policy deductibles can save around $875 each year
  • High-risk drivers with reckless driving or DUI convictions may pay on average $2,260 more per year for auto insurance
  • Drivers who purchase higher levels of liability will pay about $490 annually to go from 30/60 bodily injury limits to 250/500 limits

Rates by Driver Age

Toyota Mirai Insurance 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

Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,464
$250 $2,196
$500 $1,888
$1,000 $1,598

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
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

Toyota Mirai Insurance 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.

SR-22 Surcharge $278

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
Rate after discounts $1,042

Discounts are estimated and may not be available from every company or in every state.

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