Toyota Mirai Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2024
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The average auto insurance rates for a Toyota Mirai are $1,820 annually with full coverage. Comprehensive costs on average $388 each year, 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 around $3,980. Teen 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:
Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Mirai models.
Price Range Variability
For an average driver, Toyota Mirai insurance rates range from as cheap as $504 for liability-only coverage to a high rate of $3,980 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.
The examples above demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on 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 details average Toyota Mirai insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,009
- Using higher $1,000 deductibles will save around $274 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,820
- Choosing low deductibles for physical damage coverage will cost $2,358
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,980
- Policy cost with full coverage for a 16-year-old driver may cost $6,678 or more
Insurance rates for a Toyota Mirai also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they 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 caused a few accidents, you may be forking out at a minimum $2,200 to $3,000 extra every year, depending on your age. Insurance for high-risk drivers can be from 45% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $820 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see rates as low as $1,310 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,460 on average in Florida, Michigan, and New York.
| 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% |
| 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 Buy the Right Toyota Mirai Insurance
Finding cheaper rates on insurance for a Toyota Mirai requires not taking risks behind the wheel, having a good credit history, not filing small claims, and determing if full coverage is necessary. Take the time to compare rates at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following is a quick rundown of the concepts that were covered in the above illustrations.
- Drivers considered higher risk with reckless driving or DUI convictions pay an average of $2,160 more each year for Mirai insurance
- Teens pay the highest rates, as much as $557 each month including comprehensive and collision insurance
- You may be able to save as much as $230 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $800 each year
- You may be able to save as much as $230 per year just by quoting online in advance
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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