Toyota Mirai Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2024
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The average insurance prices for a Toyota Mirai are $1,820 every 12 months including full coverage. Comprehensive costs around $388 each year, collision insurance costs $822, and liability coverage costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs around $3,980. Teens cost the most to insure at up to $6,678 a year.
Average premium for full coverage: $1,820
Policy rates for type of insurance:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Mirai models.
Price Range Variability
For the average driver, Toyota Mirai insurance rates range from the cheapest price of $504 for just the minimum liability insurance to a high rate of $3,980 for high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance rates.
The examples above highlight why all drivers should compare prices for a specific zip code and their own driving history, rather than using averaged prices.
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 breaks down average Toyota Mirai insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,009
- Using higher $1,000 deductibles will save about $274 every year
- The average price for a good driver age 40 using $500 deductibles is $1,820
- Selecting low deductibles for physical damage coverage increases the price to $2,358
- Higher-risk drivers with serious driving violations could pay at least $3,980
- Policy cost to insure a teenage driver can be $6,678 or more
Car insurance rates for a Toyota Mirai also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $820 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $6,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $2,200 to $3,000 extra every year, depending on your age. Insurance for high-risk drivers can be around 45% to 135% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on Toyota Mirai insurance rates. A driver around age 40 might see rates as low as $1,390 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,590 on average in Michigan, New York, and Louisiana.
| 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Mirai | $458 | $982 | $398 | $1,996 |
| 2023 Toyota Mirai | $442 | $958 | $416 | $1,974 |
| 2022 Toyota Mirai | $426 | $918 | $430 | $1,932 |
| 2021 Toyota Mirai | $402 | $886 | $442 | $1,888 |
| 2020 Toyota Mirai | $388 | $822 | $452 | $1,820 |
| 2019 Toyota Mirai | $372 | $774 | $456 | $1,760 |
| 2018 Toyota Mirai | $356 | $694 | $460 | $1,668 |
| 2017 Toyota Mirai | $334 | $638 | $460 | $1,590 |
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 Shop for Low Cost Toyota Mirai Insurance
Finding cheaper rates on auto insurance requires being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
Below is a review of the material that was touched on above.
- Consumers who may need higher levels of liability will pay approximately $500 per year to increase from a 30/60 limit to a 250/500 level
- Teenage drivers are the costliest to insure, with premiums being up to $557 each month if the policy includes full coverage
- Drivers who have several accidents or serious violations could be forced to pay on average $2,160 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $800 each year
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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