Toyota Mirai Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 2, 2024
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Average auto insurance rates for a Toyota Mirai are $1,888 annually for full coverage. Comprehensive insurance costs on average $402 a year, collision insurance costs $886, and liability costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs $4,144 or more. Teenage drivers receive the highest rates at up to $6,912 a year.
Average premium for full coverage: $1,888
Rate estimates by individual coverage type:
Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Mirai trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $496 for just the minimum liability insurance to a high of $4,144 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.
These examples show why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.
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 average Toyota Mirai insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,042
- Using higher $1,000 deductibles will save around $1,598 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,888
- Using low $100 deductibles for physical damage coverage costs an additional $576 annually
- High-risk insureds who are prone to accidents and violations could pay upwards of $4,144
- The cost with full coverage for a 16-year-old driver may cost $6,912 or more
Car insurance rates for a Toyota Mirai can also vary considerably based on the trim level of your Mirai, your driver profile, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,700 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $6,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $2,300 to $3,100 extra per year, depending on your age. A high-risk auto insurance policy can be from 45% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $870 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see rates as low as $1,240 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,700 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Buy the Right Toyota Mirai Insurance
Saving money on insurance for a Toyota Mirai requires not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Spend time shopping around every other policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following is a quick rundown of the ideas that were touched on above.
- Teens are expensive to insure, costing as high as $576 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $2,260 more each year for Mirai insurance
- Increasing deductibles could save up to $875 each year
- Drivers can save as much as $240 per year just by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,464 |
| $250 | $2,196 |
| $500 | $1,888 |
| $1,000 | $1,598 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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