Toyota Mirai Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 2, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated auto insurance rates for a Toyota Mirai are $1,888 annually for full coverage. Comprehensive costs approximately $402, collision costs $886, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $4,144. Teens pay the most at $6,912 a year or more.

Average premium for full coverage: $1,888

Premium estimates by type of coverage:

Comprehensive $402
Collision $886
Liability $442

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different Mirai trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Toyota Mirai go from as cheap as $496 for just the minimum liability insurance to a much higher rate of $4,144 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion.

The price range 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 show why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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.

Additional Rate Analysis

The chart below shows estimated Toyota Mirai insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $1,042
  • Choosing higher $1,000 deductibles can save $290 a year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,888
  • Selecting more expensive low deductibles for comp and collision coverage will cost $2,464
  • Higher-risk drivers with serious driving violations could pay around $4,144 or more
  • An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $6,912 each year

View Chart as Image

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

Auto insurance prices for a Toyota Mirai also have a wide range based on the model of your Mirai, your driver profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $6,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $2,300 to $3,100 in extra premium annually, depending on your age. High-risk driver insurance ranges from 45% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $870 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Toyota Mirai insurance prices. A good driver about age 40 could pay as low as $1,240 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,700 on average in New York, Louisiana, 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

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices from multiple companies. Each auto insurer calculates prices differently, and quoted prices will be substantially different between companies.

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 Buy the Right Toyota Mirai Insurance

Finding better rates on insurance for a Toyota Mirai takes being safe and accident-free, having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to compare rates at every other renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

Below you'll find a quick rundown of the concepts that were presented in the illustrations above.

  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $2,260 more per year than a low-risk driver
  • Youthful drivers have the highest car insurance prices, as much as $576 per month if full coverage is included
  • Drivers can save around $240 per year simply by shopping early and online
  • Increasing policy deductibles could save up to $875 each year
  • Drivers can save around $240 per year simply by shopping early and online

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles