Toyota Mirai Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 2, 2024
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Estimated auto insurance rates for a Toyota Mirai are $1,820 annually including full coverage. Comprehensive costs approximately $388, collision costs $822, and liability costs around $452. A policy with only liability insurance costs as low as $504 a year, with a high-risk policy 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 by type of coverage:
Estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 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 as cheap as $504 for liability-only coverage to a much higher rate of $3,980 for high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of making a decision based on 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 breaks down estimated Toyota Mirai insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,009
- Using higher $1,000 deductibles will save $274 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,820
- Buying more expensive low deductibles for physical damage coverage will cost $2,358
- High-risk insureds with multiple tickets or accidents could pay around $3,980 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $6,678 or more
Car insurance prices for a Toyota Mirai also have a wide range based on the model of your Mirai, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $6,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $2,200 to $3,000 extra annually, depending on your age. High-risk driver insurance can be from 45% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $820 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see prices as low as $1,390 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,590 on average in Louisiana, New York, and Michigan.
| 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% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different between companies.
| 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 Low Cost Toyota Mirai Insurance
Finding better rates on insurance for a Toyota Mirai requires having a good driving record, having a good credit score, refrain from filing small claims, and avoiding coverage lapses. Set aside time to compare rates every couple of years by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The next list is a review of the material that was covered above.
- Insureds who purchase increased levels of liability coverage will pay around $500 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 20 and younger pay the highest auto insurance prices, with the cost nearing $557 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations may have to pay on average $2,160 more per year to buy Toyota Mirai insurance
- Increasing policy deductibles could save up to $800 each year
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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