Toyota Mirai Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance prices for a Toyota Mirai are $1,820 every 12 months for full coverage. Comprehensive insurance costs around $388 a year, collision insurance costs $822, and liability insurance costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs $3,980 or more. Teens cost the most to insure at up to $6,678 a year.
Average premium for full coverage: $1,820
Policy rates for type of insurance:
Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Mirai trim levels.
Price Range Variability
For an average driver, Toyota Mirai insurance rates range from the cheapest price of $504 for minimum levels of liability insurance to a high of $3,980 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.
The examples above show why it is important to compare rates for a specific zip code and their own driving history, 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 Details
The chart below shows average Toyota Mirai insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,009
- Drivers who choose higher $1,000 deductibles will pay about $1,546 a year
- The average price for a good driver age 40 using $500 deductibles is $1,820
- Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $538 a year
- High risk drivers with serious driving violations could pay at least $3,980
- Policy cost to insure a teen driver can be $6,678 a year
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.
Choosing higher comprehensive and collision insurance deductibles could save up to $820 each year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,700 per year on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay 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 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 135% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in Toyota Mirai insurance rates. A 40-year-old driver could pay as low as $1,200 a year in states like Idaho, Maine, and Iowa, or have to pay 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% |
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Toyota Mirai | $388 | $822 | $452 | $1,820 |
2017 Toyota Mirai | $372 | $774 | $456 | $1,760 |
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 Low Cost Toyota Mirai Insurance
Finding cheaper rates on Toyota Mirai insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.
The items below are a review of the data that was covered in the above illustrations.
- Drivers can save up to $230 per year just by quoting early and online
- Drivers who may need more liability coverage will pay approximately $500 each year to go from a 30/60 limit to a 250/500 level
- Teen drivers are charged the highest rates, costing up to $557 each month if full coverage is included
- High-risk drivers who have several accidents or serious violations may pay on average $2,160 more every year to insure their Mirai
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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