Toyota Mirai Insurance Rates
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UPDATED: Jun 2, 2024
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Estimated insurance prices for a Toyota Mirai are $1,820 every 12 months for full coverage insurance. Comprehensive insurance costs around $388, collision costs $822, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing $3,980 or more. Teen drivers pay the most at $6,678 a year or more.
Average premium for full coverage: $1,820
Premium estimates for type of coverage:
These estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Mirai trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota Mirai go from the cheapest price of $504 for liability-only coverage to a much higher rate of $3,980 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates the difference location can make on auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of using price 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.
Additional Charts and Tables
The chart below illustrates estimated Toyota Mirai insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,009
- Choosing higher $1,000 deductibles can save about $274 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,820
- Choosing more expensive low deductibles for comp and collision coverage costs an extra $538 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,980 or more
- An auto insurance policy to insure a teen driver with full coverage can be $6,678 each year
Insurance prices for a Toyota Mirai also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Choosing high deductibles can save as much as $820 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $6,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $2,200 to $3,000 extra annually, depending on your age. High-risk driver insurance ranges as much as 45% to 135% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Toyota Mirai insurance prices. A good driver about age 40 could pay as low as $1,190 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,460 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices will be substantially different.
| 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 Cheap Toyota Mirai Insurance
Finding better rates on car insurance takes having a good driving record, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates every year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a brief summary of the coverage data touched on in this article.
- It is possible to save up to $230 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $800 each year
- Drivers age 20 and younger pay higher prices, with premiums being up to $557 per month if they have full coverage
- Higher risk drivers that tend to have accidents or serious violations may pay on average $2,160 more every year to buy Toyota Mirai insurance
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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