Toyota Mirai Insurance Rates

Average insurance prices for a Toyota Mirai are $1,820 every 12 months including full coverage. Comprehensive costs approximately $388 a year, collision insurance costs $822, and liability is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers 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 by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Mirai trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

These examples highlight why it is important to compare rates quotes using their specific location and their own driving history, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $1,009
• Raising to $1,000 deductibles will save $1,546 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,820
• Choosing low $100 deductibles increases the price to $2,358
• At-risk drivers with multiple violations and an at-fault accident could pay around $3,980
• The cost to insure a teen driver can cost $6,678

View Chart as Image

Insurance rates for a Toyota Mirai can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Mirai.

Choosing high deductibles can reduce rates by up to $820 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $6,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $2,200 to $3,000 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 135% more than average. View High Risk Driver Rates

Where you live also has a big influence on Toyota Mirai insurance prices. A middle-age driver might find rates as low as $1,390 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,590 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for the Best Toyota Mirai Insurance

Saving money on car insurance consists of having a decent driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The following items are a brief recap of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers who tend to receive serious violations could be charged and average of $2,160 more per year than a driver with a clean driving record
• You may be able to save around $230 per year just by quoting early and online
• Increasing deductibles could save as much as $800 each year
• Policyholders who purchase additional liability coverage will pay about $500 per year to raise from a minimum limit to a 250/500 level