Toyota Mirai Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 2, 2024

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The average insurance rates for a Toyota Mirai are $1,888 a year with full coverage. Comprehensive insurance costs on average $402, collision costs $886, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $4,144 or more. Teen drivers cost the most to insure at $6,912 a year or more.

Average premium for full coverage: $1,888

Policy rates by type of insurance:

Comprehensive $402
Collision $886
Liability $442

Rate estimates include $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Mirai models.

Price Range Variability

For an average driver, Toyota Mirai insurance rates go from the low end price of $496 for just liability coverage to the much higher price of $4,144 for a driver required to buy high-risk insurance.

Liability Only $496
Full Coverage $1,888
High Risk $4,144

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.

The example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,416
Small Cities $1,982
Large Cities $2,549

The examples above demonstrate why everyone should compare rates based on a specific location, rather than using price 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.

Detailed Rate Analysis

The chart below details estimated Toyota Mirai insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $1,042
  • Drivers who choose higher $1,000 deductibles will pay around $290 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,888
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $576 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $4,144 or more
  • Policy cost that insures a teenage driver for full coverage may cost $6,912 a year

View Chart as Image

Toyota Mirai insurance cost comparison chart
Column chart showing full coverage Toyota Mirai insurance prices range from $1,042 to $6,912

Auto insurance rates for a Toyota Mirai also range considerably based on the model of your Mirai, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $2,300 to $3,100 in extra premium every year, depending on your age. Toyota Mirai insurance for high-risk drivers can cost around 45% to 136% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,700 per year on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $6,900 a year. View Rates by Age

Your home state makes a big difference in Toyota Mirai insurance rates. A 40-year-old driver could pay as low as $1,360 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,550 on average in Florida, Michigan, and New York.

Toyota Mirai Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,710 -$178 -9.4%
Alaska $1,450 -$438 -23.2%
Arizona $1,570 -$318 -16.8%
Arkansas $1,888 -$0 0.0%
California $2,154 $266 14.1%
Colorado $1,804 -$84 -4.4%
Connecticut $1,942 $54 2.9%
Delaware $2,138 $250 13.2%
Florida $2,364 $476 25.2%
Georgia $1,744 -$144 -7.6%
Hawaii $1,358 -$530 -28.1%
Idaho $1,278 -$610 -32.3%
Illinois $1,408 -$480 -25.4%
Indiana $1,424 -$464 -24.6%
Iowa $1,274 -$614 -32.5%
Kansas $1,796 -$92 -4.9%
Kentucky $2,580 $692 36.7%
Louisiana $2,798 $910 48.2%
Maine $1,164 -$724 -38.3%
Maryland $1,560 -$328 -17.4%
Massachusetts $1,512 -$376 -19.9%
Michigan $3,284 $1,396 73.9%
Minnesota $1,582 -$306 -16.2%
Mississippi $2,264 $376 19.9%
Missouri $1,676 -$212 -11.2%
Montana $2,030 $142 7.5%
Nebraska $1,490 -$398 -21.1%
Nevada $2,264 $376 19.9%
New Hampshire $1,360 -$528 -28.0%
New Jersey $2,112 $224 11.9%
New Mexico $1,674 -$214 -11.3%
New York $1,992 $104 5.5%
North Carolina $1,088 -$800 -42.4%
North Dakota $1,548 -$340 -18.0%
Ohio $1,306 -$582 -30.8%
Oklahoma $1,942 $54 2.9%
Oregon $1,732 -$156 -8.3%
Pennsylvania $1,804 -$84 -4.4%
Rhode Island $2,522 $634 33.6%
South Carolina $1,710 -$178 -9.4%
South Dakota $1,596 -$292 -15.5%
Tennessee $1,656 -$232 -12.3%
Texas $2,278 $390 20.7%
Utah $1,400 -$488 -25.8%
Vermont $1,294 -$594 -31.5%
Virginia $1,134 -$754 -39.9%
Washington $1,460 -$428 -22.7%
West Virginia $1,732 -$156 -8.3%
Wisconsin $1,308 -$580 -30.7%
Wyoming $1,684 -$204 -10.8%

View Chart as Image

Toyota Mirai insurance rates by U.S. city

Choosing high deductibles could save up to $870 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, and quoted rates will be varied.

Toyota Mirai Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Mirai $476 $990 $390 $2,014
2023 Toyota Mirai $458 $982 $398 $1,996
2022 Toyota Mirai $442 $958 $416 $1,974
2021 Toyota Mirai $426 $918 $430 $1,932
2020 Toyota Mirai $402 $886 $442 $1,888
2019 Toyota Mirai $388 $822 $452 $1,820
2018 Toyota Mirai $372 $774 $456 $1,760
2017 Toyota Mirai $356 $694 $460 $1,668

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 Find the Best Toyota Mirai Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and taking advantage of discounts. Shop around at every policy renewal by obtaining price quotes from direct companies, and also from several local insurance agents.

The following is a brief recap of the data covered in the above illustrations.

  • Consumers who require higher liability limits will pay about $490 every year to go from a 30/60 limit to the 250/500 level
  • You may be able to save as much as $240 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $875 each year
  • Teens are charged the highest rates, as much as $576 each month if the policy includes full coverage

Rates by Driver Age

Toyota Mirai Insurance Rates by Driver Age
Driver Age Premium
16 $6,912
20 $4,428
30 $1,990
40 $1,888
50 $1,726
60 $1,696

Full coverage, $500 deductibles

Rates by Deductible

Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,464
$250 $2,196
$500 $1,888
$1,000 $1,598

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,888
50/100 $1,976
100/300 $2,087
250/500 $2,374
100 CSL $2,021
300 CSL $2,264
500 CSL $2,441

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Mirai Insurance Rates for High Risk Drivers
Age Premium
16 $9,942
20 $7,066
30 $4,254
40 $4,144
50 $3,956
60 $3,924

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 $278

Potential Rate Discounts

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

Discount Savings
Multi-policy $104
Multi-vehicle $101
Homeowner $26
5-yr Accident Free $154
5-yr Claim Free $126
Paid in Full/EFT $96
Advance Quote $101
Online Quote $138
Total Discounts $846
Rate after discounts $1,042

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

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