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 for full coverage. Comprehensive costs around $402, collision costs $886, and liability coverage is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $4,144. 16-year-old drivers cost the most to insure at $6,912 a year or more.

Average premium for full coverage: $1,888

Policy rates for type of insurance:

Comprehensive $402
Collision $886
Liability $442

Estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Mirai models.

Price Range Variability

For a 40-year-old driver, Toyota Mirai insurance rates go from the low end price of $496 for just the minimum liability insurance to the much higher price of $4,144 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities.

The example below illustrates how your location can change auto insurance rates.

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

The examples above show why everyone should compare rates quotes for a specific zip code, rather than using rate 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 shows estimated Toyota Mirai insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $1,042
  • Raising to $1,000 deductibles will save about $290 a year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,888
  • Buying pricier low deductibles bumps up the cost to $2,464
  • Unlucky drivers with multiple tickets or accidents could pay at least $4,144 or more
  • Policy cost that insures a teenage driver for full coverage can be $6,912

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

Auto insurance rates for a Toyota Mirai also range considerably based on the model of your Mirai, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $2,300 to $3,100 in extra premium every year, depending on your age. Toyota Mirai insurance for high-risk drivers is expensive and can cost around 45% to 136% more than the average rate. 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 every 12 months 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 as much as $6,900 a year. View Rates by Age

Your home state also has a big influence on Toyota Mirai insurance rates. A middle-age driver might find rates as low as $1,240 a year in states like Idaho, Maine, and Iowa, or at least $2,700 on average in Michigan, Louisiana, and New York.

Toyota Mirai Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,710 -$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

Opting for high physical damage deductibles can reduce rates by up to $870 a year, whereas buying more liability protection will increase rates. Going 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 only way to know your exact price is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.

Toyota Mirai Insurance Rates by Model Year
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 Low Cost Toyota Mirai Insurance

Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop once a year by requesting quotes from direct carriers, and also from several local insurance agents.

The following is a review of the data that was illustrated above.

  • Drivers can save up to $240 per year simply by quoting online well ahead of the renewal date
  • Consumers who may need higher liability limits will pay around $490 each year to raise from a 30/60 limit to the 250/500 level
  • Teens are expensive to insure, costing up to $576 each month if the policy includes full coverage
  • Drivers who have several accidents or serious violations pay on average $2,260 more every year for Mirai insurance

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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