Toyota Mirai Insurance Rates

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

Average premium for full coverage: $1,820

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Mirai trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

These examples demonstrate why it is important to compare rates using their specific location and risk profile, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $1,009
• Drivers who choose higher $1,000 deductibles will pay $1,546 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,820
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $538 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,980
• The cost for full coverage for a teen driver can cost $6,678 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as little as $1,700 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $6,600 a year. View Rates by Age

Where you live makes a big difference in Toyota Mirai insurance prices. A 40-year-old driver could pay as low as $1,310 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,460 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $820 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $2,200 to $3,000 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 135% more than average. View High Risk Driver Rates

How to Find Cheaper Toyota Mirai Insurance

Saving money on car insurance not only requires avoiding accidents and violations, but also having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates once a year by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a condensed summary of the data that was covered in the charts and tables above.

• You may be able to save around $230 per year just by quoting early and online
• Policyholders who purchase higher liability limits will pay about $500 every year to go from a minimum limit to 250/500 limits
• Teenagers are the costliest to insure, with premiums as much as $557 per month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents pay on average $2,160 more per year for car insurance