Toyota Mirai Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 2, 2024
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The average insurance rates for a Toyota Mirai are $1,888 a year including full coverage. Comprehensive costs an estimated $402, collision costs $886, and liability insurance is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing around $4,144. Teens cost the most to insure at $6,912 a year or more.
Average premium for full coverage: $1,888
Policy rates broken down by type of insurance:
Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Mirai models.
Price Range Variability
Using a middle-aged driver as an example, Toyota Mirai insurance rates go from as low as $496 for just liability coverage to the much higher price of $4,144 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how where you live affects insurance prices.
The examples above highlight why everyone should compare rates quotes for a targeted area and risk profile, rather than relying on 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.
Detailed Rate Analysis
The chart below breaks down estimated Toyota Mirai insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,042
- Raising to $1,000 deductibles will save approximately $290 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,888
- Selecting pricier low deductibles will increase the cost to $2,464
- Higher-risk drivers with serious driving violations could pay up to $4,144 or more
- Policy cost for full coverage for a teen driver for full coverage can cost as much as $6,912
Car insurance rates for a Toyota Mirai also range considerably based on your risk profile, the model of your Mirai, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles could pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $6,900 a year. View Rates by Age
Your home state also has a big influence on Toyota Mirai insurance rates. A middle-age driver might find rates as low as $1,450 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,700 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $870 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $2,300 to $3,100 extra every year, depending on your age. Toyota Mirai insurance for high-risk drivers is expensive and can cost anywhere from 45% to 136% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, so rate quotes will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Mirai | $476 | $990 | $390 | $2,014 |
| 2023 Toyota Mirai | $458 | $982 | $398 | $1,996 |
| 2022 Toyota Mirai | $442 | $958 | $416 | $1,974 |
| 2021 Toyota Mirai | $426 | $918 | $430 | $1,932 |
| 2020 Toyota Mirai | $402 | $886 | $442 | $1,888 |
| 2019 Toyota Mirai | $388 | $822 | $452 | $1,820 |
| 2018 Toyota Mirai | $372 | $774 | $456 | $1,760 |
| 2017 Toyota Mirai | $356 | $694 | $460 | $1,668 |
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 the Best Cheap Toyota Mirai Insurance
Finding cheaper rates on Toyota Mirai insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a quick review of the information touched on in the above illustrations.
- You may be able to save approximately $240 per year simply by quoting online well ahead of the renewal date
- Teen drivers have the highest car insurance rates, with premiums being up to $576 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save around $875 each year
- High-risk drivers with a DUI or reckless driving violation may pay on average $2,260 more annually to insure their Mirai
- Drivers who want more liability coverage will pay approximately $490 per year to raise from a 30/60 limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,464 |
| $250 | $2,196 |
| $500 | $1,888 |
| $1,000 | $1,598 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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