Toyota Mirai Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 2, 2024
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The average insurance rates for a Toyota Mirai are $1,820 a year for full coverage insurance. Comprehensive insurance costs an estimated $388 each year, 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. Teens cost the most to insure at $6,678 a year or more.
Average premium for full coverage: $1,820
Policy rates broken down by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Mirai models.
Price Range Variability
For a driver around age 40, Toyota Mirai insurance rates go from the low end price of $504 for liability-only coverage to a high rate of $3,980 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on insurance prices.
The examples above illustrate why all drivers should get quotes for a targeted area, instead of making a decision based on 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 Charts and Tables
The chart below illustrates estimated Toyota Mirai insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,009
- Choosing higher $1,000 deductibles can save approximately $274 each year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,820
- Selecting low deductibles for comp and collision coverage will cost an additional $538 annually
- Higher-risk drivers with serious driving violations could pay up to $3,980 or more
- Policy cost that insures a 16-year-old driver can cost as much as $6,678 each year
Insurance rates for a Toyota Mirai also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are probably paying $2,200 to $3,000 additional every year, depending on your age. Insurance for high-risk drivers ranges from 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 low as $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $6,600 a year. View Rates by Age
Your home state 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 North Carolina, Wisconsin, and Vermont, or have to pay at least $2,460 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $820 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and rates will be varied.
| 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 Find the Best Toyota Mirai Insurance
Finding cheaper rates on insurance for a Toyota Mirai takes having a decent driving record, having a good credit score, being claim-free, and maximizing policy discounts. Compare rates once a year by getting quotes from direct insurance companies, and also from local insurance agencies.
The following items are a brief recap of the data that was covered above.
- It is possible to save approximately $230 per year simply by quoting online in advance
- Insureds who want additional liability coverage will pay approximately $500 annually to raise limits from a 30/60 limit to the 250/500 level
- 16 to 18-year-old drivers are expensive to insure, possibly costing $557 each month if comprehensive and collision insurance is included
- Drivers considered higher risk who tend to receive serious violations may have to pay on average $2,160 more annually than a driver with a clean driving record
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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