Toyota Mirai Insurance Rates

The average insurance prices for a Toyota Mirai are $1,820 every 12 months for full coverage. Comprehensive insurance costs on average $388, collision insurance costs $822, and liability costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs $3,980 or more. Teenage drivers cost the most to insure at up to $6,678 a year.

Average premium for full coverage: $1,820

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Mirai trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $1,009
• Using higher $1,000 deductibles will save around $274 a year
• The average price for a good driver age 40 with $500 deductibles is $1,820
• Using more expensive low deductibles for physical damage coverage costs an extra $538 every year
• Drivers who are prone to accidents and violations could pay upwards of $3,980
• Policy cost to insure a teen driver with full coverage may cost $6,678 or more

View Chart as Image

Insurance rates for a Toyota Mirai also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Mirai.

Using high physical damage deductibles could cut rates by as much as $820 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by 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 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $6,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $2,200 to $3,000 extra every year, depending on your age. High-risk driver insurance can be as much as 45% to 135% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see rates as low as $1,200 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,590 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Toyota Mirai Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around once a year by quoting rates from direct carriers, and also from local independent and exclusive agents.

Below you'll find a brief recap of the data that was touched on above.

• Drivers can save as much as $230 per year just by shopping early and online
• Policyholders who require more liability protection will pay an extra $500 each year to increase from a 30/60 limit to a 250/500 level
• Youthful drivers pay the highest rates, costing up to $557 each month if they have full coverage
• Higher risk drivers who tend to receive serious violations pay an average of $2,160 more each year than a low-risk driver