Toyota Mirai Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2024
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The average auto insurance rates for a Toyota Mirai are $1,820 annually including full coverage. Comprehensive insurance costs on average $388 a year, collision insurance costs $822, and liability coverage costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs $3,980 or more. Teenage drivers cost the most to insure at up to $6,678 a year.
Average premium for full coverage: $1,820
Policy rates by type of insurance:
These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Mirai trim levels.
Price Range Variability
For a 40-year-old driver, Toyota Mirai insurance rates range from as cheap as $504 for just liability coverage to a high of $3,980 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.
The examples above highlight why it is important to compare rates based on a specific location and their own personal driving habits, rather than using average rates.
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 average Toyota Mirai insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,009
- Drivers who choose higher $1,000 deductibles will pay around $1,546 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,820
- Using low $100 deductibles for comprehensive and collision insurance costs an additional $538 each year
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,980
- Policy cost with full coverage for a teenage driver may cost $6,678 a year
Car insurance rates for a Toyota Mirai also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,700 per year on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $6,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $2,200 to $3,000 extra every year, depending on your age. A high-risk auto insurance policy can cost around 45% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $820 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Toyota Mirai insurance rates. A 40-year-old driver could pay as low as $1,390 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,590 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,646 | -$174 | -9.6% |
| Alaska | $1,394 | -$426 | -23.4% |
| Arizona | $1,510 | -$310 | -17.0% |
| Arkansas | $1,820 | -$0 | 0.0% |
| California | $2,074 | $254 | 14.0% |
| Colorado | $1,738 | -$82 | -4.5% |
| Connecticut | $1,872 | $52 | 2.9% |
| Delaware | $2,058 | $238 | 13.1% |
| Florida | $2,276 | $456 | 25.1% |
| Georgia | $1,680 | -$140 | -7.7% |
| Hawaii | $1,306 | -$514 | -28.2% |
| Idaho | $1,232 | -$588 | -32.3% |
| Illinois | $1,356 | -$464 | -25.5% |
| Indiana | $1,370 | -$450 | -24.7% |
| Iowa | $1,228 | -$592 | -32.5% |
| Kansas | $1,730 | -$90 | -4.9% |
| Kentucky | $2,482 | $662 | 36.4% |
| Louisiana | $2,694 | $874 | 48.0% |
| Maine | $1,122 | -$698 | -38.4% |
| Maryland | $1,500 | -$320 | -17.6% |
| Massachusetts | $1,456 | -$364 | -20.0% |
| Michigan | $3,160 | $1,340 | 73.6% |
| Minnesota | $1,522 | -$298 | -16.4% |
| Mississippi | $2,180 | $360 | 19.8% |
| Missouri | $1,614 | -$206 | -11.3% |
| Montana | $1,954 | $134 | 7.4% |
| Nebraska | $1,436 | -$384 | -21.1% |
| Nevada | $2,182 | $362 | 19.9% |
| New Hampshire | $1,312 | -$508 | -27.9% |
| New Jersey | $2,034 | $214 | 11.8% |
| New Mexico | $1,612 | -$208 | -11.4% |
| New York | $1,916 | $96 | 5.3% |
| North Carolina | $1,048 | -$772 | -42.4% |
| North Dakota | $1,490 | -$330 | -18.1% |
| Ohio | $1,258 | -$562 | -30.9% |
| Oklahoma | $1,868 | $48 | 2.6% |
| Oregon | $1,666 | -$154 | -8.5% |
| Pennsylvania | $1,736 | -$84 | -4.6% |
| Rhode Island | $2,426 | $606 | 33.3% |
| South Carolina | $1,646 | -$174 | -9.6% |
| South Dakota | $1,534 | -$286 | -15.7% |
| Tennessee | $1,592 | -$228 | -12.5% |
| Texas | $2,192 | $372 | 20.4% |
| Utah | $1,346 | -$474 | -26.0% |
| Vermont | $1,244 | -$576 | -31.6% |
| Virginia | $1,090 | -$730 | -40.1% |
| Washington | $1,404 | -$416 | -22.9% |
| West Virginia | $1,668 | -$152 | -8.4% |
| Wisconsin | $1,260 | -$560 | -30.8% |
| Wyoming | $1,620 | -$200 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Mirai | $458 | $982 | $398 | $1,996 |
| 2023 Toyota Mirai | $442 | $958 | $416 | $1,974 |
| 2022 Toyota Mirai | $426 | $918 | $430 | $1,932 |
| 2021 Toyota Mirai | $402 | $886 | $442 | $1,888 |
| 2020 Toyota Mirai | $388 | $822 | $452 | $1,820 |
| 2019 Toyota Mirai | $372 | $774 | $456 | $1,760 |
| 2018 Toyota Mirai | $356 | $694 | $460 | $1,668 |
| 2017 Toyota Mirai | $334 | $638 | $460 | $1,590 |
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 Buy Cheap Toyota Mirai Insurance
Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief summary of the ideas that were illustrated above.
- Drivers age 20 and younger are expensive to insure, with premiums being up to $557 each month if comprehensive and collision insurance is included
- Drivers that tend to have accidents or serious violations pay on average $2,160 more each year to buy Toyota Mirai insurance
- Increasing comprehensive and collision deductibles could save up to $800 each year
- You may be able to save as much as $230 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,678 |
| 20 | $4,250 |
| 30 | $1,912 |
| 40 | $1,820 |
| 50 | $1,660 |
| 60 | $1,630 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,358 |
| $250 | $2,106 |
| $500 | $1,820 |
| $1,000 | $1,546 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,820 |
| 50/100 | $1,910 |
| 100/300 | $2,023 |
| 250/500 | $2,317 |
| 100 CSL | $1,956 |
| 300 CSL | $2,204 |
| 500 CSL | $2,385 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,598 |
| 20 | $6,782 |
| 30 | $4,082 |
| 40 | $3,980 |
| 50 | $3,800 |
| 60 | $3,770 |
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 | $100 |
| Multi-vehicle | $98 |
| Homeowner | $26 |
| 5-yr Accident Free | $146 |
| 5-yr Claim Free | $121 |
| Paid in Full/EFT | $91 |
| Advance Quote | $96 |
| Online Quote | $133 |
| Total Discounts | $811 |
Discounts are estimated and may not be available from every company or in every state.
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