Toyota Mirai Insurance Rates

Average insurance rates for a Toyota Mirai are $1,820 a year for full coverage. Comprehensive insurance costs approximately $388 a year, collision insurance costs $822, and liability coverage costs $452. A policy with just liability insurance costs as little as $504 a year, and coverage for high-risk drivers costs $3,980 or more. Teens receive the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Mirai trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples show why it is important to compare rates using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Information

The chart below shows average Toyota Mirai insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $1,009
• Drivers who choose higher $1,000 deductibles will pay $1,546 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,820
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $538 each year
• High-risk insureds with serious driving violations could pay around $3,980
• The cost for full coverage for a teenage driver can cost $6,678 a year

View Chart as Image

Insurance rates for a Toyota Mirai can also vary considerably based on your driver profile, the trim level of your Mirai, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,700 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $6,600 a year. View Rates by Age

Where you live makes a big difference in Toyota Mirai insurance rates. A 40-year-old driver could pay as low as $1,200 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,590 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $820 a year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $2,200 to $3,000 additional per year, depending on your age. A high-risk auto insurance policy can cost around 45% to 135% more than the average policy. View High Risk Driver Rates

How to Find Affordable Toyota Mirai Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having a good credit history, eliminating unneeded coverage, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by getting quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a brief review of the ideas that were raised in the charts and tables above.

• Youthful drivers are the costliest to insure, costing as high as $557 per month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $2,160 more per year than a low-risk driver
• Increasing deductibles can save around $800 each year
• Drivers can save around $230 per year just by quoting early and online