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: Jun 6, 2023

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

Average premium for full coverage: $1,888

Premium estimates broken down by type of coverage:

Comprehensive $402
Collision $886
Liability $442

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all Mirai models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Toyota Mirai go from as low as $496 for the bare minimum liability coverage to the much higher price of $4,144 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

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

These rate differences demonstrate why everyone should get quotes for a targeted area and risk profile, rather than relying on averaged prices.

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 Information

The chart below details estimated Toyota Mirai insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $1,042
  • Choosing higher $1,000 deductibles can save approximately $290 annually
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,888
  • Selecting pricier low deductibles for comp and collision coverage will increase the cost to $2,464
  • High-risk insureds with serious driving violations could pay up to $4,144 or more
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $6,912 each year

View Chart as Image

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

Insurance prices for a Toyota Mirai also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $6,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Toyota Mirai insurance rates. A good driver about age 40 could pay as low as $1,360 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $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 higher comprehensive and collision insurance deductibles can save as much as $870 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $2,300 to $3,100 extra annually, depending on your age. Toyota Mirai insurance for high-risk drivers ranges anywhere from 45% to 136% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, so the prices will be substantially different from one company to the next.

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 the Right Toyota Mirai Insurance

Finding better rates on Toyota Mirai insurance takes being a good driver, maintaining good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a quick rundown of the ideas that were covered in the charts and tables above.

  • Drivers age 16 to 20 are charged the highest prices, possibly costing $576 per month for full coverage
  • High-risk drivers with reckless driving or DUI convictions may pay on average $2,260 more annually than a safer driver
  • Increasing policy deductibles can save around $875 each year
  • You may be able to save approximately $240 per year simply by quoting online well ahead of the renewal date

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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