Toyota Mirai Insurance Rates

The average insurance prices for a Toyota Mirai are $1,888 every 12 months for full coverage. Comprehensive insurance costs on average $402 a year, collision insurance costs $886, and liability coverage costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs $4,144 or more. Teens cost the most to insure at up to $6,912 a year.

Average premium for full coverage: $1,888

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Mirai trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why it is important to compare prices based on a specific location and their own driving history, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $1,042
• Using higher $1,000 deductibles will save around $1,598 a year
• The average price for a good driver age 40 with $500 deductibles is $1,888
• Selecting low $100 deductibles for physical damage coverage costs an extra $576 each year
• Higher-risk drivers with serious driving violations could pay upwards of $4,144
• Policy cost to insure a teenage driver may cost $6,912 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $870 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $6,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $2,300 to $3,100 extra every year, depending on your age. A high-risk auto insurance policy can be around 45% to 136% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota Mirai insurance rates. A driver around age 40 might see rates as low as $1,240 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,700 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Toyota Mirai Insurance

Finding cheaper rates on auto insurance requires having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates once a year by requesting rates from direct carriers, and also from local independent and exclusive agents.

The next list is a brief recap of the data that was covered above.

• Drivers can save as much as $240 per year just by quoting early and online
• Consumers who require increased levels of liability coverage will pay approximately $490 each year to increase from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, costing up to $576 each month if the policy includes full coverage
• Drivers who tend to receive serious violations pay an average of $2,260 more each year to buy Toyota Mirai insurance