Toyota Mirai Insurance Rates

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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 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. 16-year-old drivers cost the most to insure at up to $6,678 a year.

Average premium for full coverage: $1,820

Policy rates by type of insurance:

Comprehensive $388
Collision $822
Liability $452

Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Mirai trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Toyota Mirai insurance rates range from the cheapest price of $504 for just liability insurance to a high of $3,980 for a policy for a high-risk driver.

Liability Only $504
Full Coverage $1,820
High Risk $3,980

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,365
Small Cities $1,911
Large Cities $2,457

The examples above highlight why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on rate averages.

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

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More Rate Details

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

  • The best full coverage rate is $1,009
  • Using higher $1,000 deductibles will save $1,546 every year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,820
  • Buying low $100 deductibles for physical damage coverage increases the price to $2,358
  • High-risk insureds with multiple tickets or accidents could pay around $3,980
  • Policy cost to insure a 16-year-old driver can cost $6,678 or more

View Chart as Image

Toyota Mirai insurance cost comparison chart
Column chart showing Toyota Mirai insurance rates range from $1,009 to $6,678 for full coverage

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

Opting for high physical damage deductibles could cut rates by as much as $820 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $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 anywhere from $2,200 to $3,000 extra every year, depending on your age. A high-risk auto insurance policy can be from 45% to 135% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see rates as low as $1,390 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,590 on average in Louisiana, New York, and Michigan.

Toyota Mirai Insurance Rates by State
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%

View Chart as Image

Toyota Mirai insurance rates by U.S. city
Toyota Mirai Insurance Rates by Model Year
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 the Best Toyota Mirai Insurance

Finding cheaper rates on insurance for a Toyota Mirai requires being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below is a brief recap of the coverage data raised in the charts and tables above.

  • You may be able to save around $230 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $800 each year
  • Teenage drivers are expensive to insure, with premiums being up to $557 each month if they have full coverage
  • Drivers considered higher risk who tend to receive serious violations could be charged and average of $2,160 more per year for auto insurance

Rates by Driver Age

Toyota Mirai Insurance 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

Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,358
$250 $2,106
$500 $1,820
$1,000 $1,546

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
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

Toyota Mirai Insurance 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.

SR-22 Surcharge $266

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
Rate after discounts $1,009

Discounts are estimated and may not be available from every company or in every state.

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