Toyota Mirai Insurance Rates

Average insurance rates for a Toyota Mirai are $1,888 a year for full coverage. Comprehensive insurance costs on average $402, collision insurance costs $886, and liability costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs $4,144 or more. Teenage drivers receive the highest rates at up to $6,912 a year.

Average premium for full coverage: $1,888

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Mirai models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

These examples show why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Toyota Mirai insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,042
• Using higher $1,000 deductibles will save around $290 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,888
• Using pricier low deductibles for physical damage coverage will cost an extra $576 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $4,144
• The cost for full coverage for a 16-year-old driver for full coverage may cost $6,912 or more

View Chart as Image

Insurance rates for a Toyota Mirai can also vary considerably based on your driver profile, the trim level of your Mirai, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,700 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $6,900 a year. View Rates by Age

Where you live has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see rates as low as $1,240 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,700 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $870 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,300 to $3,100 extra per year, depending on your age. Toyota Mirai insurance for high-risk drivers can be from 45% to 136% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Toyota Mirai Insurance

Saving money on insurance for a Toyota Mirai requires avoiding accidents and violations, maintaining good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Invest the time to shop around at every policy renewal by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The list below is a recap of the data illustrated above.

• Insureds who require higher liability limits will pay an extra $490 each year to increase from a minimum limit to 250/500 limits
• Drivers can save as much as $240 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $875 each year
• Teenagers pay the highest rates, costing as high as $576 per month for full coverage