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2019 Toyota Mirai Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 1, 2020

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Average insurance rates for a 2019 Toyota Mirai are $1,996 a year with full coverage. Comprehensive costs approximately $458, collision costs $982, and liability coverage costs $398. Buying a liability-only policy costs as little as $460 a year, with high-risk insurance costing around $4,364. Teen drivers receive the highest rates at $7,158 a year or more.

Annual premium for full coverage: $1,996

Rate estimates for 2019 Toyota Mirai Insurance

Comprehensive $458
Collision $982
Liability $398

Rate data is compiled from all 50 U.S. states and averaged for all 2019 Toyota Mirai models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $460 for basic liability insurance to the much higher price of $4,364 for a driver that may need high-risk insurance.

Liability Only $460
Full Coverage $1,996
High Risk $4,364

View Chart as Image

2019 Toyota Mirai insurance rates compared
Column chart showing 2019 Toyota Mirai insurance prices range from $1098 to $7,158 for full coverage

These differences demonstrate why everyone should compare rates using their specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2019 Toyota Mirai Insurance

Searching Companies

Tired of wondering where the money will come from to buy car insurance? You’re in the same situation as most other drivers. Since you have so many choices of insurance companies, it can be hard to pick a more affordable car insurance company.

Buy auto insurance online

Reducing your 2019 Toyota Mirai insurance rates can be relatively painless. The only requirement is to spend a few minutes on the computer comparing rate quotes to see which company has low cost auto insurance quotes. It is quite easy and can be accomplished using a couple different methods.

  1. The fastest and easiest way to get the best comparison quotes is to use a rate comparison form. This easy form saves time by eliminating a different quote for every company. In just a few minutes this one form gets you coverage quotes from multiple companies.
  2. A slightly less efficient method to get quotes online is to take the time to go to each company website to request a price quote. For examples sake, let’s say you need rates from Allstate, Progressive and GMAC. To do that, you would have to spend time going to each site individually to input your insurance information, which can take a lot of time.

Whichever way you choose to compare rates, make darn sure you compare apples-to-apples coverage data for each quote you get. If you are comparing higher or lower deductibles it’s impossible to determine the best price for your Toyota Mirai.

Insurance Discounts

Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts that can help lower your rates. Some discounts will apply when you quote, but a few need to be specially asked for before you get the savings.

  • Mature Driver Discount – Seniors may receive a slight reduction on a auto insurance quote on Mirai insurance.
  • Low Mileage Discounts – Low annual miles could be rewarded with lower premium rates on the low mileage vehicles.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and qualify for as much as a 10% discount.
  • Theft Prevention System – Cars and trucks with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
  • Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction on Mirai insurance depending on your insurance provider.
  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Professional Memberships – Being a member of a civic or occupational organization is a simple method to lower premiums on your next insurance statement.
  • Multiple Policy Discount – If you can combine your home and auto policy with the same company you will save at least 10 to 15 percent or more.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school.
  • Smart Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last until age 25.

Discounts lower rates, but many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

The best insurance companies and their possible discounts are included below.

  • Mercury Insurance has savings for good student, professional/association, age of vehicle, ease of repair, type of vehicle, location of vehicle, and low natural disaster claims.
  • Farmers Insurance offers discounts including electronic funds transfer, homeowner, early shopping, good student, bundle discounts, teen driver, and distant student.
  • Farm Bureau discounts include good student, youthful driver, safe driver, driver training, and 55 and retired.
  • State Farm may have discounts that include Steer Clear safe driver discount, multiple policy, Drive Safe & Save, anti-theft, accident-free, and safe vehicle.
  • Allstate policyholders can earn discounts including senior citizen, defensive driver, new car, EZ pay plan discount, utility vehicle, passive restraint, and 55 and retired.
  • GEICO may offer discounts for driver training, military active duty, federal employee, good student, and defensive driver.

When getting a coverage quote, ask every company to give you their best rates. All car insurance discounts might not be offered in your area.

Tailor your car insurance coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine whether you could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does insurance cover damages from a DUI accident?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I afford to buy a different vehicle if my 2019 Toyota Mirai is totaled?
  • I have a DUI can I still get coverage?
  • What is UM/UIM insurance?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if I wreck a rental car?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance 101

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most auto insurance policies.

Liability coverages

This coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as legal defense fees, pain and suffering, funeral expenses and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses for dental work, nursing services and funeral costs. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, vandalism and fire damage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance pays for damage to your Mirai resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, colliding with a tree, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Toyota Mirai.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Rates by U.S. City

2019 Toyota Mirai Insurance Rates by City
City Premium
New York City, NY $3,156
Los Angeles, CA $3,411
Philadelphia, PA $2,666
Jacksonville, FL $2,898
Phoenix, AZ $2,321
Chicago, IL $2,678
Houston, TX $3,128
Seattle, WA $1,943
Columbus, OH $1,670
Indianapolis, IN $1,697

Rates by Driver Age

2019 Toyota Mirai Insurance Rates by Driver Age
Driver Age Premium
16 $7,158
20 $4,664
30 $2,112
40 $1,996
50 $1,820
60 $1,788

Full coverage, $500 deductibles

Rates by Deductible

2019 Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,636
$250 $2,336
$500 $1,996
$1,000 $1,670

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,996
50/100 $2,076
100/300 $2,175
250/500 $2,434
100 CSL $2,115
300 CSL $2,334
500 CSL $2,494

Full coverage, driver age 40

Rates for High Risk Drivers

2019 Toyota Mirai Insurance Rates for High Risk Drivers
Age Premium
16 $10,320
20 $7,434
30 $4,494
40 $4,364
50 $4,164
60 $4,132

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 $292

Potential Rate Discounts

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

Discount Savings
Multi-policy $110
Multi-vehicle $105
Homeowner $26
5-yr Accident Free $165
5-yr Claim Free $133
Paid in Full/EFT $104
Advance Quote $108
Online Quote $147
Total Discounts $898
Rate after discounts $1,098

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

Find companies with the cheapest rates in your area

2019 Toyota Mirai Insurance Rates by State
State Premium
Alabama $1,804
Alaska $1,532
Arizona $1,658
Arkansas $1,996
California $2,274
Colorado $1,906
Connecticut $2,054
Delaware $2,258
Florida $2,498
Georgia $1,844
Hawaii $1,434
Idaho $1,352
Illinois $1,488
Indiana $1,502
Iowa $1,348
Kansas $1,896
Kentucky $2,724
Louisiana $2,954
Maine $1,232
Maryland $1,646
Massachusetts $1,598
Michigan $3,468
Minnesota $1,670
Mississippi $2,392
Missouri $1,772
Montana $2,146
Nebraska $1,574
Nevada $2,394
New Hampshire $1,440
New Jersey $2,232
New Mexico $1,768
New York $2,104
North Carolina $1,152
North Dakota $1,634
Ohio $1,380
Oklahoma $2,050
Oregon $1,828
Pennsylvania $1,904
Rhode Island $2,664
South Carolina $1,810
South Dakota $1,684
Tennessee $1,748
Texas $2,406
Utah $1,476
Vermont $1,366
Virginia $1,194
Washington $1,542
West Virginia $1,830
Wisconsin $1,382
Wyoming $1,776

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