Toyota Mirai Insurance Rates
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UPDATED: Jun 2, 2024
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Estimated insurance rates for a Toyota Mirai are $1,888 a year for full coverage. Comprehensive insurance costs an estimated $402, collision insurance costs $886, and liability insurance costs $442. A policy with only liability insurance costs as little as $496 a year, and a high-risk policy costs $4,144 or more. Teen drivers pay the most at up to $6,912 a year.
Average premium for full coverage: $1,888
Premium estimates broken down by type of coverage:
Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different Mirai trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota Mirai range from the low end price of $496 for minimum levels of liability insurance to a much higher rate of $4,144 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates for a targeted area, rather than relying 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.
Additional Rate Details
The chart below shows average Toyota Mirai insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,042
- Drivers who choose higher $1,000 deductibles will pay approximately $290 a year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,888
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $576 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $4,144
- An auto insurance policy that insures a teen driver with full coverage can cost as much as $6,912 a year
Car insurance prices for a Toyota Mirai also have a wide range based on the model year and trim level, how you drive, and liability limits and deductibles.
If you have a few violations or you caused an accident, you could be paying $2,300 to $3,100 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 45% to 136% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,700 per year on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $6,900 a year. View Rates by Age
Where you choose to live makes a big difference in Toyota Mirai insurance rates. A 40-year-old driver could pay as low as $1,240 a year in states like Iowa, Maine, and Idaho, or as much as $2,700 on average in New York, Louisiana, 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 high deductibles could save up to $870 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Right Toyota Mirai Insurance
Finding better rates on Toyota Mirai insurance not only requires being a low-risk driver, but also having a positive credit history, not filing small claims, and possibly higher deductibles. Shop around at every other renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The items below are a quick rundown of the concepts that were covered in the above illustrations.
- High-risk drivers with reckless driving or DUI convictions may pay on average $2,260 more annually to insure their Mirai
- Teen drivers have the highest car insurance prices, as much as $576 per month if full coverage is purchased
- Drivers can save approximately $240 per year just by shopping early and online
- Increasing policy deductibles can save approximately $875 each year
- Drivers can save approximately $240 per year just by shopping early and online
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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