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...

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UPDATED: Aug 23, 2022

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The average auto insurance rates for a Toyota Mirai are $1,888 annually for full coverage insurance. Comprehensive insurance costs an estimated $402 each year, 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. Teen drivers cost the most to insure at up to $6,912 a year.

Average premium for full coverage: $1,888

Policy rates broken down by type of insurance:

Comprehensive $402
Collision $886
Liability $442

Prices include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Mirai models.

Price Range Variability

Using a 40-year-old driver as an example, Toyota Mirai insurance rates range from as cheap as $496 for a discount liability-only rate to a high rate of $4,144 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $1,888
High Risk $4,144

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,416
Small Cities $1,982
Large Cities $2,549

The examples above illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $1,042
  • Using higher $1,000 deductibles will save approximately $290 each year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,888
  • Choosing low deductibles for physical damage coverage costs an additional $576 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $4,144
  • Policy cost with full coverage for a 16-year-old driver can cost as much as $6,912 or more

View Chart as Image

Toyota Mirai insurance cost comparison chart
Column chart showing Toyota Mirai insurance prices range from $1,042 to $6,912 for full coverage

Car insurance rates for a Toyota Mirai also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $6,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $2,300 to $3,100 extra every year, depending on your age. Insurance for high-risk drivers can be from 45% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $870 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see rates as low as $1,230 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,550 on average in Florida, New York, and Michigan.

Toyota Mirai Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,710 -$178 -9.4%
Alaska $1,450 -$438 -23.2%
Arizona $1,570 -$318 -16.8%
Arkansas $1,888 -$0 0.0%
California $2,154 $266 14.1%
Colorado $1,804 -$84 -4.4%
Connecticut $1,942 $54 2.9%
Delaware $2,138 $250 13.2%
Florida $2,364 $476 25.2%
Georgia $1,744 -$144 -7.6%
Hawaii $1,358 -$530 -28.1%
Idaho $1,278 -$610 -32.3%
Illinois $1,408 -$480 -25.4%
Indiana $1,424 -$464 -24.6%
Iowa $1,274 -$614 -32.5%
Kansas $1,796 -$92 -4.9%
Kentucky $2,580 $692 36.7%
Louisiana $2,798 $910 48.2%
Maine $1,164 -$724 -38.3%
Maryland $1,560 -$328 -17.4%
Massachusetts $1,512 -$376 -19.9%
Michigan $3,284 $1,396 73.9%
Minnesota $1,582 -$306 -16.2%
Mississippi $2,264 $376 19.9%
Missouri $1,676 -$212 -11.2%
Montana $2,030 $142 7.5%
Nebraska $1,490 -$398 -21.1%
Nevada $2,264 $376 19.9%
New Hampshire $1,360 -$528 -28.0%
New Jersey $2,112 $224 11.9%
New Mexico $1,674 -$214 -11.3%
New York $1,992 $104 5.5%
North Carolina $1,088 -$800 -42.4%
North Dakota $1,548 -$340 -18.0%
Ohio $1,306 -$582 -30.8%
Oklahoma $1,942 $54 2.9%
Oregon $1,732 -$156 -8.3%
Pennsylvania $1,804 -$84 -4.4%
Rhode Island $2,522 $634 33.6%
South Carolina $1,710 -$178 -9.4%
South Dakota $1,596 -$292 -15.5%
Tennessee $1,656 -$232 -12.3%
Texas $2,278 $390 20.7%
Utah $1,400 -$488 -25.8%
Vermont $1,294 -$594 -31.5%
Virginia $1,134 -$754 -39.9%
Washington $1,460 -$428 -22.7%
West Virginia $1,732 -$156 -8.3%
Wisconsin $1,308 -$580 -30.7%
Wyoming $1,684 -$204 -10.8%

View Chart as Image

Toyota Mirai insurance rates by U.S. city
Toyota Mirai Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Toyota Mirai $402 $886 $442 $1,888
2017 Toyota Mirai $388 $822 $452 $1,820

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 Buy the Right Toyota Mirai Insurance

Finding cheaper rates on insurance for a Toyota Mirai requires not taking risks behind the wheel, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a quick rundown of the data that was raised in the charts and tables above.

  • It is possible to save approximately $240 per year just by quoting online in advance
  • Insureds who want higher liability limits will pay about $490 annually to increase from a 30/60 limit to higher 250/500 limits
  • Teens have the highest car insurance rates, possibly costing $576 each month if comprehensive and collision insurance is included
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $2,260 more annually for Mirai insurance

Rates by Driver Age

Toyota Mirai Insurance Rates by Driver Age
Driver Age Premium
16 $6,912
20 $4,428
30 $1,990
40 $1,888
50 $1,726
60 $1,696

Full coverage, $500 deductibles

Rates by Deductible

Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,464
$250 $2,196
$500 $1,888
$1,000 $1,598

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,888
50/100 $1,976
100/300 $2,087
250/500 $2,374
100 CSL $2,021
300 CSL $2,264
500 CSL $2,441

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Mirai Insurance Rates for High Risk Drivers
Age Premium
16 $9,942
20 $7,066
30 $4,254
40 $4,144
50 $3,956
60 $3,924

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 $278

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $104
Multi-vehicle $101
Homeowner $26
5-yr Accident Free $154
5-yr Claim Free $126
Paid in Full/EFT $96
Advance Quote $101
Online Quote $138
Total Discounts $846
Rate after discounts $1,042

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

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