Toyota Mirai Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 1, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a Toyota Mirai are $1,932 a year for full coverage. Comprehensive costs on average $426 a year, collision costs $918, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $4,228. Teen drivers receive the highest rates at $7,010 a year or more.

Average premium for full coverage: $1,932

Rate estimates by individual coverage type:

Comprehensive $426
Collision $918
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Mirai trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $4,228 for a high risk driver.

Liability Only $486
Full Coverage $1,932
High Risk $4,228

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,449
Small Cities $2,029
Large Cities $2,608

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $1,066
  • Drivers who choose higher $1,000 deductibles will pay around $1,628 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,932
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,532
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $4,228 or more
  • The cost for full coverage for a teen driver may cost $7,010 a year

View Chart as Image

Toyota Mirai insurance cost comparison chart
Column chart showing full coverage Toyota Mirai insurance rates range from $1,066 to $7,010

for a Toyota Mirai can also vary considerably based on your driver profile, the trim level of your Mirai, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $7,000 a year. View Rates by Age

Where you live makes a big difference in Toyota Mirai insurance rates. A 40-year-old driver could pay as low as $1,270 a year in states like Idaho, Maine, and Iowa, or as much as $2,760 on average in Michigan, Louisiana, and New York.

Toyota Mirai Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,746 -$186 -9.6%
Alaska $1,482 -$450 -23.3%
Arizona $1,604 -$328 -17.0%
Arkansas $1,932 -$0 0.0%
California $2,202 $270 14.0%
Colorado $1,844 -$88 -4.6%
Connecticut $1,988 $56 2.9%
Delaware $2,186 $254 13.1%
Florida $2,416 $484 25.1%
Georgia $1,784 -$148 -7.7%
Hawaii $1,388 -$544 -28.2%
Idaho $1,306 -$626 -32.4%
Illinois $1,440 -$492 -25.5%
Indiana $1,456 -$476 -24.6%
Iowa $1,304 -$628 -32.5%
Kansas $1,836 -$96 -5.0%
Kentucky $2,636 $704 36.4%
Louisiana $2,860 $928 48.0%
Maine $1,190 -$742 -38.4%
Maryland $1,594 -$338 -17.5%
Massachusetts $1,546 -$386 -20.0%
Michigan $3,358 $1,426 73.8%
Minnesota $1,616 -$316 -16.4%
Mississippi $2,314 $382 19.8%
Missouri $1,716 -$216 -11.2%
Montana $2,076 $144 7.5%
Nebraska $1,524 -$408 -21.1%
Nevada $2,316 $384 19.9%
New Hampshire $1,394 -$538 -27.8%
New Jersey $2,160 $228 11.8%
New Mexico $1,712 -$220 -11.4%
New York $2,034 $102 5.3%
North Carolina $1,114 -$818 -42.3%
North Dakota $1,582 -$350 -18.1%
Ohio $1,334 -$598 -31.0%
Oklahoma $1,984 $52 2.7%
Oregon $1,770 -$162 -8.4%
Pennsylvania $1,844 -$88 -4.6%
Rhode Island $2,576 $644 33.3%
South Carolina $1,750 -$182 -9.4%
South Dakota $1,630 -$302 -15.6%
Tennessee $1,692 -$240 -12.4%
Texas $2,330 $398 20.6%
Utah $1,432 -$500 -25.9%
Vermont $1,324 -$608 -31.5%
Virginia $1,158 -$774 -40.1%
Washington $1,492 -$440 -22.8%
West Virginia $1,770 -$162 -8.4%
Wisconsin $1,338 -$594 -30.7%
Wyoming $1,722 -$210 -10.9%

View Chart as Image

Toyota Mirai insurance rates by U.S. city

Choosing high deductibles could save up to $910 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,300 to $3,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Toyota Mirai Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Toyota Mirai $426 $918 $430 $1,932
2017 Toyota Mirai $402 $886 $442 $1,888

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 Cheaper Toyota Mirai Insurance

Saving money on Toyota Mirai insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $900 each year
  • Drivers can save as much as $250 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $584 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $2,300 more each year for insurance

Rates by Driver Age

Toyota Mirai Insurance Rates by Driver Age
Driver Age Premium
16 $7,010
20 $4,518
30 $2,036
40 $1,932
50 $1,762
60 $1,730

Full coverage, $500 deductibles

Rates by Deductible

Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,532
$250 $2,250
$500 $1,932
$1,000 $1,628

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,932
50/100 $2,018
100/300 $2,126
250/500 $2,405
100 CSL $2,061
300 CSL $2,298
500 CSL $2,470

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Mirai Insurance Rates for High Risk Drivers
Age Premium
16 $10,090
20 $7,206
30 $4,346
40 $4,228
50 $4,036
60 $4,002

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 $283

Potential Rate Discounts

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

Discount Savings
Multi-policy $106
Multi-vehicle $103
Homeowner $26
5-yr Accident Free $158
5-yr Claim Free $129
Paid in Full/EFT $99
Advance Quote $103
Online Quote $142
Total Discounts $866
Rate after discounts $1,066

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles