Toyota Mirai Insurance Rates

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UPDATED: Jun 2, 2024

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U.S. average insurance rates for a Toyota Mirai are $1,820 a year with full coverage. Comprehensive insurance costs around $388, collision costs $822, and liability costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing $3,980 or more. Teens pay the highest rates at $6,678 a year or more.

Average premium for full coverage: $1,820

Price estimates for individual coverage:

Comprehensive $388
Collision $822
Liability $452

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Mirai trim levels.

Price Range from Low to High

For the normal driver, Toyota Mirai insurance prices go from as low as $504 for the bare minimum liability coverage to a much higher rate of $3,980 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $1,820
High Risk $3,980

Geographic Price Range

Your location can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,365
Small Cities $1,911
Large Cities $2,457

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of using 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.

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Additional Rate Information

The chart below details estimated Toyota Mirai insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,009
  • Drivers who choose higher $1,000 deductibles will pay about $274 annually
  • The average rate for the average middle-age driver using $500 deductibles is $1,820
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $538 every year
  • Higher-risk drivers with serious driving violations could pay at least $3,980 or more
  • The price for full coverage for a teen driver with full coverage can be $6,678 a year

View Chart as Image

Toyota Mirai insurance cost comparison chart
Column chart showing full coverage Toyota Mirai insurance prices range from $1,009 to $6,678

Car insurance prices for a Toyota Mirai are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as little as $1,700 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $6,600 a year. View Rates by Age

The state you live in 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 New Hampshire, Ohio, and Utah, or have to pay at least $2,460 on average in Florida, Michigan, and New York.

Toyota Mirai Insurance Rates by State
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%

View Chart as Image

Toyota Mirai insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $820 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $2,200 to $3,000 extra each year, depending on your age. High-risk driver insurance can cost as much as 45% to 135% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to compare prices and see which company has the best price. Every company calculates prices differently, so rate quotes may be quite different from one company to the next.

Toyota Mirai Insurance Rates by Model Year
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 Cheap Toyota Mirai Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by requesting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a brief summary of the primary concepts that were presented in the illustrations above.

  • You may be able to save up to $230 per year simply by shopping early and online
  • Higher risk drivers that tend to have accidents or serious violations pay an average of $2,160 more every year than a safer driver
  • Increasing physical damage deductibles can save around $800 each year
  • Drivers age 16 to 20 are the costliest to insure, costing up to $557 a month if full coverage is included

Rates by Driver Age

Toyota Mirai Insurance 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

Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,358
$250 $2,106
$500 $1,820
$1,000 $1,546

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
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

Toyota Mirai Insurance 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.

SR-22 Surcharge $266

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
Rate after discounts $1,009

Discounts are estimated and may not be available from every company or in every state.

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