Toyota Mirai Insurance Rates
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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
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Average insurance rates for a Toyota Mirai are $1,820 a year for full coverage. Comprehensive costs approximately $388, collision costs $822, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, with coverage for high-risk drivers costing around $3,980. 16-year-old drivers receive the highest rates at $6,678 a year or more.
Average premium for full coverage: $1,820
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all Mirai models.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $504 for just liability coverage to the much higher price of $3,980 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities.
The example below illustrates the effect of geographic area on auto insurance prices.
These examples show why everyone should compare prices using their specific location, rather than using rate 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.
Detailed Rate Analysis
The chart below shows estimated Toyota Mirai insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,009
- Using higher $1,000 deductibles will save $274 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,820
- Buying pricier low deductibles for physical damage coverage bumps up the cost to $2,358
- Higher-risk drivers with multiple tickets or accidents could pay around $3,980 or more
- The cost that insures a teenage driver for full coverage can cost $6,678 or more
Insurance rates for a Toyota Mirai can also vary considerably based on the model of your Mirai, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $2,200 to $3,000 additional per year, depending on your age. Toyota Mirai insurance for high-risk drivers can be around 45% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,700 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,600 a year. View Rates by Age
Where you live has a huge impact on Toyota Mirai insurance rates. A driver around age 40 might see rates as low as $1,200 a year in states like Iowa, Maine, and Idaho, or at least $2,590 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,646 | -$174 | -9.6% |
| Alaska | $1,394 | -$426 | -23.4% |
| Arizona | $1,510 | -$310 | -17.0% |
| Arkansas | $1,820 | -$0 | 0.0% |
| California | $2,074 | $254 | 14.0% |
| Colorado | $1,738 | -$82 | -4.5% |
| Connecticut | $1,872 | $52 | 2.9% |
| Delaware | $2,058 | $238 | 13.1% |
| Florida | $2,276 | $456 | 25.1% |
| Georgia | $1,680 | -$140 | -7.7% |
| Hawaii | $1,306 | -$514 | -28.2% |
| Idaho | $1,232 | -$588 | -32.3% |
| Illinois | $1,356 | -$464 | -25.5% |
| Indiana | $1,370 | -$450 | -24.7% |
| Iowa | $1,228 | -$592 | -32.5% |
| Kansas | $1,730 | -$90 | -4.9% |
| Kentucky | $2,482 | $662 | 36.4% |
| Louisiana | $2,694 | $874 | 48.0% |
| Maine | $1,122 | -$698 | -38.4% |
| Maryland | $1,500 | -$320 | -17.6% |
| Massachusetts | $1,456 | -$364 | -20.0% |
| Michigan | $3,160 | $1,340 | 73.6% |
| Minnesota | $1,522 | -$298 | -16.4% |
| Mississippi | $2,180 | $360 | 19.8% |
| Missouri | $1,614 | -$206 | -11.3% |
| Montana | $1,954 | $134 | 7.4% |
| Nebraska | $1,436 | -$384 | -21.1% |
| Nevada | $2,182 | $362 | 19.9% |
| New Hampshire | $1,312 | -$508 | -27.9% |
| New Jersey | $2,034 | $214 | 11.8% |
| New Mexico | $1,612 | -$208 | -11.4% |
| New York | $1,916 | $96 | 5.3% |
| North Carolina | $1,048 | -$772 | -42.4% |
| North Dakota | $1,490 | -$330 | -18.1% |
| Ohio | $1,258 | -$562 | -30.9% |
| Oklahoma | $1,868 | $48 | 2.6% |
| Oregon | $1,666 | -$154 | -8.5% |
| Pennsylvania | $1,736 | -$84 | -4.6% |
| Rhode Island | $2,426 | $606 | 33.3% |
| South Carolina | $1,646 | -$174 | -9.6% |
| South Dakota | $1,534 | -$286 | -15.7% |
| Tennessee | $1,592 | -$228 | -12.5% |
| Texas | $2,192 | $372 | 20.4% |
| Utah | $1,346 | -$474 | -26.0% |
| Vermont | $1,244 | -$576 | -31.6% |
| Virginia | $1,090 | -$730 | -40.1% |
| Washington | $1,404 | -$416 | -22.9% |
| West Virginia | $1,668 | -$152 | -8.4% |
| Wisconsin | $1,260 | -$560 | -30.8% |
| Wyoming | $1,620 | -$200 | -11.0% |
Opting for high physical damage deductibles could cut rates by as much as $820 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Mirai | $458 | $982 | $398 | $1,996 |
| 2023 Toyota Mirai | $442 | $958 | $416 | $1,974 |
| 2022 Toyota Mirai | $426 | $918 | $430 | $1,932 |
| 2021 Toyota Mirai | $402 | $886 | $442 | $1,888 |
| 2020 Toyota Mirai | $388 | $822 | $452 | $1,820 |
| 2019 Toyota Mirai | $372 | $774 | $456 | $1,760 |
| 2018 Toyota Mirai | $356 | $694 | $460 | $1,668 |
| 2017 Toyota Mirai | $334 | $638 | $460 | $1,590 |
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 More Affordable Toyota Mirai Insurance
Saving money on auto insurance requires avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Comparison shop at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a summary of the concepts that were covered in the above illustrations.
- Drivers who have multiple accidents or major violations could be forced to pay on average $2,160 more per year for car insurance
- Teenagers are the costliest to insure, costing as high as $557 per month if comprehensive and collision insurance is included
- Drivers can save around $230 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $800 each year
- Drivers can save around $230 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,678 |
| 20 | $4,250 |
| 30 | $1,912 |
| 40 | $1,820 |
| 50 | $1,660 |
| 60 | $1,630 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,358 |
| $250 | $2,106 |
| $500 | $1,820 |
| $1,000 | $1,546 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,820 |
| 50/100 | $1,910 |
| 100/300 | $2,023 |
| 250/500 | $2,317 |
| 100 CSL | $1,956 |
| 300 CSL | $2,204 |
| 500 CSL | $2,385 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,598 |
| 20 | $6,782 |
| 30 | $4,082 |
| 40 | $3,980 |
| 50 | $3,800 |
| 60 | $3,770 |
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 | $100 |
| Multi-vehicle | $98 |
| Homeowner | $26 |
| 5-yr Accident Free | $146 |
| 5-yr Claim Free | $121 |
| Paid in Full/EFT | $91 |
| Advance Quote | $96 |
| Online Quote | $133 |
| Total Discounts | $811 |
Discounts are estimated and may not be available from every company or in every state.
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