Toyota Mirai Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2024
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Estimated insurance rates for a Toyota Mirai are $1,820 a year with full coverage. Comprehensive costs around $388, collision costs $822, and liability costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $3,980. 16-year-old drivers pay the most at $6,678 a year or more.
Average premium for full coverage: $1,820
Premium estimates for type of coverage:
Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Mirai trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota Mirai go from the low end price of $504 for liability-only coverage to a much higher rate of $3,980 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of using rate 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 estimated Toyota Mirai insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,009
- Drivers who choose higher $1,000 deductibles will pay about $274 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,820
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,358
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,980 or more
- An auto insurance policy that insures a teen driver with full coverage can be $6,678 a year
Auto insurance prices for a Toyota Mirai also have a wide range based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $2,200 to $3,000 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 45% to 135% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,700 per year on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $6,600 a year. View Rates by Age
Where you choose to 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 New Hampshire, Ohio, and Utah, or at least $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% |
Opting for high physical damage deductibles could save up to $820 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out your exact price is to compare prices and see which company has the best price. Every company utilizes a different rate formula, and quoted prices will be substantially different.
| 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 better rates on car insurance not only requires having a good driving record, but also maintaining a good credit score, being claim-free, and maximizing policy discounts. Comparison shop at every policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The next list is a brief recap of the data covered above.
- Policyholders who may need increased levels of liability coverage will pay around $500 every year to go from 30/60 bodily injury limits to the 250/500 level
- You may be able to save up to $230 per year simply by shopping early and online
- Increasing policy deductibles can save approximately $800 each year
- Drivers age 20 and younger are expensive to insure, possibly costing $557 per month if the policy includes full coverage
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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