Toyota Mirai Insurance Rates

Average insurance rates for a Toyota Mirai are $1,820 a year for full coverage. Comprehensive costs around $388 a year, collision insurance costs $822, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs around $3,980. Teenage drivers receive the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Mirai trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

These examples show why it is important to compare prices for a specific zip code and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Toyota Mirai insurance rates for additional coverage choices and driver risks.

• The best discount rate is $1,009
• Using higher $1,000 deductibles will save about $1,546 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,820
• Using low $100 deductibles for physical damage coverage will increase the cost to $2,358
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,980
• The cost for full coverage for a teenage driver can be $6,678 or more

View Chart as Image

Insurance rates for a Toyota Mirai can also vary considerably based on your driver profile, the trim level of your Mirai, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,700 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $6,600 a year. View Rates by Age

Where you live has a huge impact on Toyota Mirai insurance rates. A driver around age 40 might see rates as low as $1,200 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,590 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $820 a year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $2,200 to $3,000 additional per year, depending on your age. A high-risk auto insurance policy can be around 45% to 135% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Toyota Mirai Insurance

Saving money on auto insurance requires avoiding accidents and claims, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by quoting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The points below are a summary of the ideas that were touched on above.

• Drivers under the age of 20 are charged the highest rates, costing as high as $557 per month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations may be required to pay an average of $2,160 more every year to insure a Toyota Mirai
• Increasing deductibles can save around $800 each year
• Drivers can save up to $230 per year just by quoting early and online