Toyota Mirai Insurance Rates

U.S. average insurance rates for a Toyota Mirai are $1,820 a year with full coverage. Comprehensive costs on average $388 each year, collision insurance costs $822, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs around $3,980. Teens pay the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Mirai models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why all drivers should get quotes based on a specific location, instead of using averaged prices.

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

Additional Charts and Tables

The chart below details average Toyota Mirai insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $1,009
• Choosing higher $1,000 deductibles can save around $274 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,820
• Selecting low deductibles for comp and collision coverage bumps up the cost to $2,358
• Unlucky drivers with serious driving violations could pay upwards of $3,980
• The price that insures a teen driver may cost $6,678 each year

View Chart as Image

Insurance prices for a Toyota Mirai are also quite variable based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $2,200 to $3,000 additional each year, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 135% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,700 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Mirai insurance prices. A good driver about age 40 could pay as low as $1,310 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,460 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $820 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Toyota Mirai Insurance

Getting lower rates on car insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare rates every year by quoting rates from direct companies, and also from several local insurance agents.

The following list is a brief recap of the coverage data presented in the illustrations above.

• You may be able to save as much as $230 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $800 each year
• Drivers age 16 to 20 pay higher prices, costing up to $557 a month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations pay on average $2,160 more each year than a safer driver