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 insurance prices for a Toyota Mirai are $1,820 every 12 months for full coverage. Comprehensive costs approximately $388, collision costs $822, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $3,980. Teens pay the most at $6,678 a year or more.
Average premium for full coverage: $1,820
Premium estimates by type of coverage:
Rates are based on $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Mirai trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota Mirai go from the cheapest price of $504 for just liability coverage to a much higher rate of $3,980 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below shows estimated Toyota Mirai insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,009
- Choosing higher $1,000 deductibles can save $274 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,820
- Selecting more expensive low deductibles for comp and collision coverage increases the price to $2,358
- Higher-risk drivers with serious driving violations could pay around $3,980 or more
- An auto insurance policy to insure a 16-year-old driver with full coverage can cost $6,678 each year
Insurance prices for a Toyota Mirai also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Mirai.
Choosing higher comprehensive and collision insurance deductibles can save as much as $820 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost 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 low as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $6,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $2,200 to $3,000 extra annually, depending on your age. High-risk driver insurance ranges from 45% to 135% more than the average policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Toyota Mirai insurance prices. A good driver about age 40 could pay as low as $1,200 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,590 on average in New York, Louisiana, 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 only way to know who has the cheapest car insurance prices is to compare prices from multiple companies. Each auto insurer calculates prices differently, so the 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 Shop for the Best Cheap Toyota Mirai Insurance
Finding better rates on insurance for a Toyota Mirai takes not taking risks behind the wheel, having good credit, not filing small claims, and maximizing policy discounts. Make time to compare rates once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The following is a quick review of the data that was touched on in this article.
- Drivers can save around $230 per year simply by shopping early and online
- Insureds who purchase higher liability limits will pay approximately $500 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teens are expensive to insure, as much as $557 per month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,160 more per year for Mirai insurance
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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