Toyota Mirai Insurance Rates

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

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

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 2, 2024

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 $1,820 a year including full coverage. Comprehensive costs around $388, collision insurance costs $822, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs around $3,980. Teen drivers receive the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Rate estimates for individual coverage type:

Comprehensive $388
Collision $822
Liability $452

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Mirai models.

Price Range by Coverage and Risk

For the average driver, prices range range from the low end price of $504 for just liability coverage to the much higher price of $3,980 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $1,820
High Risk $3,980

Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.

Rural Areas $1,365
Small Cities $1,911
Large Cities $2,457

These examples highlight why everyone should compare rates for a specific zip code, instead of 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 breaks down average Toyota Mirai insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $1,009
  • Drivers who choose higher $1,000 deductibles will pay about $274 every year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,820
  • Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,358
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,980
  • The cost that insures a teen driver for full coverage can be $6,678 a year

View Chart as Image

Toyota Mirai insurance cost comparison chart
Column chart showing Toyota Mirai insurance rates range from $1,009 to $6,678 for full coverage

Car insurance rates for a Toyota Mirai can also vary considerably based on the model of your Mirai, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $2,200 to $3,000 extra per year, depending on your age. Toyota Mirai insurance for high-risk drivers can cost as much as 45% to 135% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,700 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $6,600 a year. View Rates by Age

Where you live makes a big difference in Toyota Mirai insurance prices. A 40-year-old driver could pay as low as $1,390 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,590 on average in Michigan, New York, and Louisiana.

Toyota Mirai Insurance Rates by State
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%

View Chart as Image

Toyota Mirai insurance rates by U.S. city

Choosing high deductibles could save up to $820 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Toyota Mirai Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Mirai $458 $982 $398 $1,996
2023 Toyota Mirai $442 $958 $416 $1,974
2022 Toyota Mirai $426 $918 $430 $1,932
2021 Toyota Mirai $402 $886 $442 $1,888
2020 Toyota Mirai $388 $822 $452 $1,820
2019 Toyota Mirai $372 $774 $456 $1,760
2018 Toyota Mirai $356 $694 $460 $1,668
2017 Toyota Mirai $334 $638 $460 $1,590

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 Affordable Toyota Mirai Insurance

Saving money on car insurance not only requires having a decent driving record, but also having a positive credit history, not filing small claims, and consideration of higher deductibles. Shop around at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief review of the concepts that were touched on above.

  • Higher risk drivers with DUI or reckless driving convictions may have to pay on average $2,160 more every year than a driver with a clean driving record
  • 16 to 18-year-old drivers are the costliest to insure, as much as $557 per month if full coverage is purchased
  • You may be able to save up to $230 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $800 each year
  • You may be able to save up to $230 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Toyota Mirai Insurance Rates by Driver Age
Driver Age Premium
16 $6,678
20 $4,250
30 $1,912
40 $1,820
50 $1,660
60 $1,630

Full coverage, $500 deductibles

Rates by Deductible

Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,358
$250 $2,106
$500 $1,820
$1,000 $1,546

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
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

Toyota Mirai Insurance 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.

SR-22 Surcharge $266

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
Rate after discounts $1,009

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

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles