Toyota Mirai Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,464 |
| $250 | $2,196 |
| $500 | $1,888 |
| $1,000 | $1,598 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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