Toyota Mirai Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance rates for a Toyota Mirai are $1,820 a year for full coverage. Comprehensive insurance costs on average $388 a year, collision insurance costs $822, and liability coverage is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers costs $3,980 or more. 16-year-old 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:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Mirai trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from the low end price of $504 for just liability coverage to a high of $3,980 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have lower incidents of accident claims than congested cities. The diagram below illustrates the effect of geographic area on car insurance rates.
These examples show why it is important to compare rates quotes based on a specific location, rather than using rate 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 shows average Toyota Mirai insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,009
- Raising to $1,000 deductibles will save around $1,546 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,820
- Buying low $100 deductibles will cost an additional $538 each year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $3,980
- The cost that insures a teenage driver may cost $6,678
Auto insurance rates for a Toyota Mirai can also vary considerably based on the trim level of your Mirai, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $2,200 to $3,000 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 135% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $6,600 a year. View Rates by Age
Where you live also has a big influence on Toyota Mirai insurance rates. A middle-age driver might find rates as low as $1,200 a year in states like Idaho, Maine, and Iowa, or at least $2,590 on average in Michigan, Louisiana, and New York.
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% |
Opting for high physical damage deductibles can reduce rates by up to $820 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Toyota Mirai | $388 | $822 | $452 | $1,820 |
2017 Toyota Mirai | $372 | $774 | $456 | $1,760 |
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 Cheap Toyota Mirai Insurance
Saving money on auto insurance consists of having a decent driving record, maintaining a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Comparison shop every year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a brief summary of the coverage data covered in the above illustrations.
- Drivers can save as much as $230 per year just by quoting early and online
- Increasing deductibles can save approximately $800 each year
- 16 to 18-year-old drivers are charged the highest rates, costing as high as $557 per month if the policy includes full coverage
- Drivers that tend to have accidents or serious violations may pay on average $2,160 more each year than a driver with a clean driving record
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $2,358 |
$250 | $2,106 |
$500 | $1,820 |
$1,000 | $1,546 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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