Toyota Mirai Insurance Rates

Average insurance prices for a Toyota Mirai are $1,820 every 12 months for full coverage insurance. Comprehensive insurance costs on average $388 each year, collision insurance costs $822, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs $3,980 or more. Teen drivers receive the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Rate estimates by individual coverage type:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Mirai models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. Rural areas tend to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how your location can change car insurance rates.

These examples illustrate why all drivers should compare prices based on a specific location and their own driving history, rather than using price averages.

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

Additional Charts and Tables

The chart below illustrates 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 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,820
• Choosing low deductibles for physical damage coverage costs an extra $538 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,980
• The cost to insure a teenage driver may cost $6,678 or more

View Chart as Image

Insurance rates for a Toyota Mirai can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Mirai.

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

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,700 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $6,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $2,200 to $3,000 additional per year, depending on your age. Insurance for high-risk drivers can be around 45% to 135% more than average. View High Risk Driver Rates

Where you live has a huge impact on Toyota Mirai insurance rates. A driver around age 40 might see rates as low as $1,190 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,460 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Best Cheap Toyota Mirai Insurance

Saving money on auto insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a quick review of the car insurance concepts illustrated above.

• Drivers with a DUI or reckless driving violation pay on average $2,160 more each year for auto insurance
• It is possible to save as much as $230 per year just by quoting online in advance
• Increasing deductibles could save as much as $800 each year
• Consumers who require higher levels of liability will pay about $500 annually to increase from a minimum limit to a 250/500 level