Toyota Mirai Insurance Rates

Average insurance rates for a Toyota Mirai are $1,932 a year including full coverage. Comprehensive costs an estimated $426 a year, collision insurance costs $918, and liability is estimated at $430. A liability-only policy costs approximately $486 a year, and high-risk insurance costs around $4,228. Teenage drivers receive the highest rates at up to $7,010 a year.

Average premium for full coverage: $1,932

Rate estimates broken down by individual coverage type:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Mirai trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

These examples highlight why it is important to get quotes for a targeted area, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below breaks down average Toyota Mirai insurance rates for other coverage scenarios.

• The best discount rate is $1,066
• Choosing higher $1,000 deductibles can save approximately $1,628 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,932
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $2,532
• Higher-risk drivers who are prone to accidents and violations could pay up to $4,228
• The cost that insures a 16-year-old driver can cost as much as $7,010 each year

View Chart as Image

Insurance rates for a Toyota Mirai can also vary considerably based on the trim level of your Mirai, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $2,300 to $3,100 extra per year, depending on your age. A high-risk auto insurance policy ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,800 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $7,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Mirai insurance prices. A good driver about age 40 could pay as low as $1,480 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,760 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $910 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit

How to Find Low Cost Toyota Mirai Insurance

Saving money on insurance for a Toyota Mirai takes avoiding accidents and claims, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Compare prices every year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The points below are a review of the coverage data touched on above.

• You may be able to save approximately $250 per year just by quoting early and online
• Increasing deductibles can save approximately $900 each year
• Drivers under the age of 20 are charged the highest rates, as much as $584 per month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations could be charged and average of $2,300 more annually to insure a Toyota Mirai