Toyota Mirai Insurance Rates

Average insurance prices for a Toyota Mirai are $1,820 every 12 months for full coverage. Comprehensive costs an estimated $388 each year, collision insurance costs $822, and liability coverage costs $452. A policy with just liability insurance costs as little as $504 a year, and coverage for high-risk drivers costs around $3,980. Teen drivers receive the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Rate estimates broken down by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and Mirai models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples show why all drivers should compare rates for a targeted area and their own driving history, rather than using price averages.

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

More Rate Details

The chart below shows average Toyota Mirai insurance rates for other coverage scenarios.

• The lowest rate with discounts is $1,009
• Drivers who choose higher $1,000 deductibles will pay approximately $274 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,820
• Choosing low deductibles for comprehensive and collision insurance increases the price to $2,358
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,980
• The cost to insure a teenage driver can cost as much as $6,678 a year

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Insurance rates for a Toyota Mirai can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing high deductibles could save up to $820 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,700 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $6,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $2,200 to $3,000 additional per year, depending on your age. Insurance for high-risk drivers can cost around 45% to 135% more than average. View High Risk Driver Rates

Where you live makes a big difference in Toyota Mirai insurance rates. A 40-year-old driver could pay as low as $1,200 a year in states like Iowa, Maine, and Idaho, or as much as $2,590 on average in New York, Louisiana, and Michigan.

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How to Shop for Low Cost Toyota Mirai Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a review of the information covered above.

• Drivers can save approximately $230 per year just by quoting online in advance
• 16 to 18-year-old drivers are expensive to insure, costing as high as $557 per month if full coverage is included
• Increasing deductibles could save as much as $800 each year
• Drivers who have several accidents or serious violations pay on average $2,160 more annually than a driver with a clean driving record
• Consumers who want additional liability coverage will pay about $500 each year to go from a minimum limit to a 250/500 level