Toyota Mirai Insurance Rates

U.S. average auto insurance rates for a Toyota Mirai are $1,820 annually with full coverage. Comprehensive costs approximately $388 a year, collision insurance costs $822, and liability costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs around $3,980. Teenage drivers pay the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Mirai trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have fewer collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why it is important to compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

The chart below details average Toyota Mirai insurance rates for additional coverage and risk scenarios.

• The best discount rate is $1,009
• Using higher $1,000 deductibles will save $1,546 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,820
• Using low $100 deductibles for physical damage coverage will cost $2,358
• Drivers who are prone to accidents and violations could pay around $3,980
• The price with full coverage for a teen driver can cost $6,678 or more

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Insurance prices for a Toyota Mirai are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,700 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $2,200 to $3,000 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $820 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see prices as low as $1,310 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,460 on average in New York, Michigan, and Florida.

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How to Buy the Right Toyota Mirai Insurance

Getting lower rates on car insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the data covered in the charts and tables above.

• Policyholders who purchase more liability protection will pay an extra $500 every year to increase from a low limit to higher 250/500 limits
• You may be able to save around $230 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $800 each year
• Youthful drivers are the costliest to insure, costing up to $557 a month if they have full coverage