Toyota Mirai Insurance Rates

The average insurance rates for a Toyota Mirai are $1,820 a year with full coverage. Comprehensive insurance costs an estimated $388 a year, collision costs $822, and liability coverage costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing $3,980 or more. Teens cost the most to insure at $6,678 a year or more.

Average premium for full coverage: $1,820

Policy rates broken down by type of insurance:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Mirai trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area and risk profile, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below details estimated Toyota Mirai insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $1,009
• Using higher $1,000 deductibles will save approximately $1,546 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,820
• Selecting low $100 deductibles for physical damage coverage will cost an extra $538 each year
• Higher-risk drivers with serious driving violations could pay up to $3,980 or more
• Policy cost for full coverage for a teenage driver can cost as much as $6,678 or more

View Chart as Image

Insurance rates for a Toyota Mirai also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $6,600 a year. View Rates by Age

Your home state has a huge impact on Toyota Mirai insurance rates. A driver around age 40 might see rates as low as $1,310 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,460 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $820 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $2,200 to $3,000 extra every year, depending on your age. A high-risk auto insurance policy can be around 45% to 135% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see how they stack up. Each insurance company calculates rates differently, so the rates will be varied from one company to the next.

How to Find Cheap Toyota Mirai Insurance

Finding cheaper rates on auto insurance requires having a good driving record, maintaining good credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief summary of the data covered in the charts and tables above.

• Consumers who want increased levels of liability coverage will pay approximately $500 every year to increase from a 30/60 limit to 250/500 limits
• You may be able to save approximately $230 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $800 each year
• Drivers age 20 and younger are charged the highest rates, as much as $557 each month for full coverage