Toyota Mirai Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 2, 2024
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The average insurance prices for a Toyota Mirai are $1,820 every 12 months for full coverage. Comprehensive costs around $388, collision costs $822, and liability coverage is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $3,980. 16-year-old drivers cost the most to insure at $6,678 a year or more.
Average premium for full coverage: $1,820
Policy rates for type of insurance:
Prices include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Mirai trim levels.
Price Range Variability
For the average 40-year-old driver, Toyota Mirai insurance rates go from the cheapest price of $504 for basic liability insurance to a much higher rate of $3,980 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than congested cities.
The price range example below illustrates the difference location can make on auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than using rate averages.
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.
Rate Comparisons
The chart below shows estimated Toyota Mirai insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,009
- Raising to $1,000 deductibles will save about $274 a year
- The average price for a good driver age 40 using $500 deductibles is $1,820
- Buying more expensive low deductibles increases the price to $2,358
- Unlucky drivers with multiple tickets or accidents could pay at least $3,980 or more
- Policy cost to insure a teenage driver with full coverage can be $6,678
Car insurance rates for a Toyota Mirai also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $820 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $6,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $2,200 to $3,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 135% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Toyota Mirai insurance rates. A middle-age driver might find rates as low as $1,200 a year in states like Idaho, Maine, and Iowa, or at least $2,590 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied.
| 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 Shop for the Right Toyota Mirai Insurance
Finding cheaper rates on auto insurance consists of having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every couple of years by requesting quotes from direct carriers, and also from local exclusive and independent agents.
The next list is a quick rundown of the material that was touched on in this article.
- Consumers who may need increased levels of liability coverage will pay around $500 each year to raise from a 30/60 limit to a 250/500 level
- Drivers age 20 and younger are the costliest to insure, costing up to $557 each month if the policy includes full coverage
- Drivers with reckless driving or DUI convictions may pay on average $2,160 more every year to buy Toyota Mirai insurance
- Increasing comprehensive and collision deductibles could save as much as $800 each year
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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