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...

Insurance Lawyer

UPDATED: Aug 23, 2022

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Estimated insurance rates for a Toyota Mirai are $1,888 a year with full coverage. Comprehensive insurance costs approximately $402 a year, collision insurance costs $886, and liability coverage is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs $4,144 or more. Teen drivers pay the most at up to $6,912 a year.

Average premium for full coverage: $1,888

Premium estimates by type of coverage:

Comprehensive $402
Collision $886
Liability $442

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

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Toyota Mirai range from the low end price of $496 for just the minimum liability insurance to a high of $4,144 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance prices.

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

These rate differences demonstrate why it is important to compare rates quotes using their 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.

Additional Rate Analysis

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

  • The lowest rate with discounts is $1,042
  • Raising to $1,000 deductibles will save $1,598 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,888
  • Choosing low $100 deductibles will cost an additional $576 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay around $4,144
  • An auto insurance policy that insures a teenage driver can cost $6,912

View Chart as Image

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

Insurance prices for a Toyota Mirai also have a wide range based on the trim level of your Mirai, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $2,300 to $3,100 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 136% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,700 every 12 months on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,900 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Mirai insurance rates. A middle-age driver might find prices as low as $1,360 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,550 on average in New York, Michigan, and Florida.

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 can reduce prices by up to $870 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Toyota Mirai Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Toyota Mirai $402 $886 $442 $1,888
2017 Toyota Mirai $388 $822 $452 $1,820

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 Affordable Toyota Mirai Insurance

Finding better rates on auto insurance consists of being a good driver, having a good credit score, being claim-free, and consideration of higher deductibles. Shop around at every other renewal by getting quotes from direct companies, and also from local insurance agencies.

The following list is a brief review of the concepts that were covered in the above illustrations.

  • Drivers with DUI or reckless driving convictions may have to pay on average $2,260 more per year than a safer driver
  • Drivers age 16 to 20 are the costliest to insure, possibly costing $576 per month if comprehensive and collision insurance is included
  • You may be able to save around $240 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $875 each year
  • You may be able to save around $240 per year just by quoting early and online

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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