Toyota Mirai Insurance Rates

U.S. average insurance rates for a Toyota Mirai are $1,820 a year including full coverage. Comprehensive costs on average $388 each year, collision insurance costs $822, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs around $3,980. Teen drivers pay the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Mirai models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.

The ranges above highlight why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $1,009
• Using higher $1,000 deductibles will save around $274 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,820
• Choosing low deductibles for physical damage coverage will increase the cost to $2,358
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,980
• The price for full coverage for a 16-year-old driver may cost $6,678 or more

View Chart as Image

Insurance prices for a Toyota Mirai are also quite variable based on your driving record, the model of your Mirai, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,700 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $6,600 a year. View Rates by Age

The state you live in has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see prices as low as $1,390 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,590 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $820 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $2,200 to $3,000 extra each year, depending on your age. Insurance for high-risk drivers can be from 45% to 135% more than average. View High Risk Driver Rates

How to Find Cheap Toyota Mirai Insurance

Getting lower rates on insurance for a Toyota Mirai requires being a low-risk driver, maintaining good credit, being claim-free, and determing if full coverage is necessary. Invest the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a brief summary of the concepts that were presented in the illustrations above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $2,160 more each year to insure their Mirai
• Teen drivers pay the highest prices, possibly costing $557 a month for full coverage
• You may be able to save as much as $230 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $800 each year
• You may be able to save as much as $230 per year just by quoting online in advance