Toyota Mirai Insurance Rates

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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

UPDATED: Jun 6, 2023

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U.S. average insurance rates for a Toyota Mirai are $1,820 a year including full coverage. Comprehensive costs on average $388 each year, collision insurance costs $822, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs around $3,980. Teen drivers pay the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Price estimates by individual coverage:

Comprehensive $388
Collision $822
Liability $452

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Mirai models.

Price Range from Low to High

For the normal driver, Toyota Mirai insurance prices range from as low as $504 for basic liability insurance to a high rate of $3,980 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $1,820
High Risk $3,980

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.

Rural Areas $1,365
Small Cities $1,911
Large Cities $2,457

The ranges above highlight why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based 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.

Rate Comparisons

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

  • The lowest rate with discounts is $1,009
  • Using higher $1,000 deductibles will save around $274 every year
  • The average rate for the average middle-age driver with $500 deductibles is $1,820
  • Choosing low deductibles for physical damage coverage will increase the cost to $2,358
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,980
  • The price for full coverage for a 16-year-old driver may cost $6,678 or more

View Chart as Image

Toyota Mirai insurance cost comparison chart
Column chart showing Toyota Mirai insurance rates range from $1,009 to $6,678 for full coverage

Insurance prices for a Toyota Mirai are also quite variable based on your driving record, the model of your Mirai, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,700 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $6,600 a year. View Rates by Age

The state you live in has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see prices as low as $1,390 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,590 on average in Michigan, New York, and Louisiana.

Toyota Mirai Insurance Rates by State
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%

View Chart as Image

Toyota Mirai insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $820 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $2,200 to $3,000 extra each year, depending on your age. Insurance for high-risk drivers can be from 45% to 135% more than average. View High Risk Driver Rates

Toyota Mirai Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Toyota Mirai $388 $822 $452 $1,820
2017 Toyota Mirai $372 $774 $456 $1,760

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 Cheap Toyota Mirai Insurance

Getting lower rates on insurance for a Toyota Mirai requires being a low-risk driver, maintaining good credit, being claim-free, and determing if full coverage is necessary. Invest the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a brief summary of the concepts that were presented in the illustrations above.

  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $2,160 more each year to insure their Mirai
  • Teen drivers pay the highest prices, possibly costing $557 a month for full coverage
  • You may be able to save as much as $230 per year just by quoting online in advance
  • Increasing physical damage deductibles can save around $800 each year
  • You may be able to save as much as $230 per year just by quoting online in advance

Rates by Driver Age

Toyota Mirai Insurance 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

Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,358
$250 $2,106
$500 $1,820
$1,000 $1,546

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
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

Toyota Mirai Insurance 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.

SR-22 Surcharge $266

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
Rate after discounts $1,009

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

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