Toyota Mirai Insurance Rates
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UPDATED: Jun 2, 2024
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Estimated insurance rates for a Toyota Mirai are $1,932 a year for full coverage insurance. Comprehensive costs on average $426, collision insurance costs $918, and liability coverage is $430. Liability-only insurance costs around $486 a year, and high-risk driver insurance costs around $4,228. Teens pay the most at up to $7,010 a year.
Average premium for full coverage: $1,932
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Mirai models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota Mirai range from the low end price of $486 for a discount liability-only rate to the much higher price of $4,228 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.
These rate differences illustrate why everyone should compare rates quotes based on a specific location, rather than using 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.
Rates by State, City, and Model
The chart below illustrates average Toyota Mirai insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,066
- Raising to $1,000 deductibles will save around $304 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,932
- Selecting pricier low deductibles bumps up the cost to $2,532
- Unlucky drivers with serious driving violations could pay upwards of $4,228
- An auto insurance policy that insures a teenage driver for full coverage may cost $7,010
Insurance prices for a Toyota Mirai also have a wide range based on the model of your Mirai, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $2,300 to $3,100 additional annually, depending on your age. Toyota Mirai insurance for high-risk drivers is expensive and can cost around 44% to 133% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,800 every 12 months on average, or $150 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $7,000 a year. View Rates by Age
Where you choose to live also has a big influence on Toyota Mirai insurance rates. A middle-age driver might find prices as low as $1,260 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,610 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,746 | -$186 | -9.6% |
| Alaska | $1,482 | -$450 | -23.3% |
| Arizona | $1,604 | -$328 | -17.0% |
| Arkansas | $1,932 | -$0 | 0.0% |
| California | $2,202 | $270 | 14.0% |
| Colorado | $1,844 | -$88 | -4.6% |
| Connecticut | $1,988 | $56 | 2.9% |
| Delaware | $2,186 | $254 | 13.1% |
| Florida | $2,416 | $484 | 25.1% |
| Georgia | $1,784 | -$148 | -7.7% |
| Hawaii | $1,388 | -$544 | -28.2% |
| Idaho | $1,306 | -$626 | -32.4% |
| Illinois | $1,440 | -$492 | -25.5% |
| Indiana | $1,456 | -$476 | -24.6% |
| Iowa | $1,304 | -$628 | -32.5% |
| Kansas | $1,836 | -$96 | -5.0% |
| Kentucky | $2,636 | $704 | 36.4% |
| Louisiana | $2,860 | $928 | 48.0% |
| Maine | $1,190 | -$742 | -38.4% |
| Maryland | $1,594 | -$338 | -17.5% |
| Massachusetts | $1,546 | -$386 | -20.0% |
| Michigan | $3,358 | $1,426 | 73.8% |
| Minnesota | $1,616 | -$316 | -16.4% |
| Mississippi | $2,314 | $382 | 19.8% |
| Missouri | $1,716 | -$216 | -11.2% |
| Montana | $2,076 | $144 | 7.5% |
| Nebraska | $1,524 | -$408 | -21.1% |
| Nevada | $2,316 | $384 | 19.9% |
| New Hampshire | $1,394 | -$538 | -27.8% |
| New Jersey | $2,160 | $228 | 11.8% |
| New Mexico | $1,712 | -$220 | -11.4% |
| New York | $2,034 | $102 | 5.3% |
| North Carolina | $1,114 | -$818 | -42.3% |
| North Dakota | $1,582 | -$350 | -18.1% |
| Ohio | $1,334 | -$598 | -31.0% |
| Oklahoma | $1,984 | $52 | 2.7% |
| Oregon | $1,770 | -$162 | -8.4% |
| Pennsylvania | $1,844 | -$88 | -4.6% |
| Rhode Island | $2,576 | $644 | 33.3% |
| South Carolina | $1,750 | -$182 | -9.4% |
| South Dakota | $1,630 | -$302 | -15.6% |
| Tennessee | $1,692 | -$240 | -12.4% |
| Texas | $2,330 | $398 | 20.6% |
| Utah | $1,432 | -$500 | -25.9% |
| Vermont | $1,324 | -$608 | -31.5% |
| Virginia | $1,158 | -$774 | -40.1% |
| Washington | $1,492 | -$440 | -22.8% |
| West Virginia | $1,770 | -$162 | -8.4% |
| Wisconsin | $1,338 | -$594 | -30.7% |
| Wyoming | $1,722 | -$210 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $910 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $387 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Mirai | $500 | $1,030 | $372 | $2,060 |
| 2023 Toyota Mirai | $476 | $990 | $390 | $2,014 |
| 2022 Toyota Mirai | $458 | $982 | $398 | $1,996 |
| 2021 Toyota Mirai | $442 | $958 | $416 | $1,974 |
| 2020 Toyota Mirai | $426 | $918 | $430 | $1,932 |
| 2019 Toyota Mirai | $402 | $886 | $442 | $1,888 |
| 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 Low Cost Toyota Mirai Insurance
Finding better rates on auto insurance consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare rates every couple of years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below you'll find a review of the material that was illustrated above.
- Consumers who require more liability protection will pay approximately $470 annually to raise from 30/60 bodily injury limits to the 250/500 level
- Youthful drivers pay higher prices, with premiums being up to $584 per month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations may pay on average $2,300 more each year than a low-risk driver
- Increasing policy deductibles can save approximately $900 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,010 |
| 20 | $4,518 |
| 30 | $2,036 |
| 40 | $1,932 |
| 50 | $1,762 |
| 60 | $1,730 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,532 |
| $250 | $2,250 |
| $500 | $1,932 |
| $1,000 | $1,628 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,932 |
| 50/100 | $2,018 |
| 100/300 | $2,126 |
| 250/500 | $2,405 |
| 100 CSL | $2,061 |
| 300 CSL | $2,298 |
| 500 CSL | $2,470 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,090 |
| 20 | $7,206 |
| 30 | $4,346 |
| 40 | $4,228 |
| 50 | $4,036 |
| 60 | $4,002 |
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 | $106 |
| Multi-vehicle | $103 |
| Homeowner | $26 |
| 5-yr Accident Free | $158 |
| 5-yr Claim Free | $129 |
| Paid in Full/EFT | $99 |
| Advance Quote | $103 |
| Online Quote | $142 |
| Total Discounts | $866 |
Discounts are estimated and may not be available from every company or in every state.
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