Toyota Mirai Insurance Rates
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UPDATED: Jun 2, 2024
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The average insurance prices for a Toyota Mirai are $1,820 every 12 months with full coverage. Comprehensive costs around $388, collision insurance costs $822, and liability costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs around $3,980. Teens cost the most to insure at up to $6,678 a year.
Average premium for full coverage: $1,820
Policy rates for type of insurance:
Prices include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Mirai trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Mirai insurance rates range from the cheapest price of $504 for your basic liability-only policy to a much higher rate of $3,980 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code 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.
More Rate Information
The chart below details average Toyota Mirai insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,009
- Using higher $1,000 deductibles will save about $274 annually
- The average price for a good driver age 40 using $500 deductibles is $1,820
- Selecting more expensive low deductibles for physical damage coverage increases the price to $2,358
- High-risk insureds with serious driving violations could pay at least $3,980
- Policy cost to insure a 16-year-old driver with full coverage can be $6,678 or more
Car insurance rates for a Toyota Mirai also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $820 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $6,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $2,200 to $3,000 extra every year, depending on your age. High-risk driver insurance can be from 45% to 135% more than the average policy. View High Risk Driver Rates
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 have to pay 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% |
| 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 Right Toyota Mirai Insurance
Finding cheaper rates on insurance for a Toyota Mirai requires being a good driver, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to shop around every couple of years by requesting quotes from direct companies, and also from several local insurance agents.
The following list is a quick rundown of the material that was raised in the charts and tables above.
- Insureds who may need an increased level of liability coverage will pay approximately $500 every year to increase from a 30/60 limit to a 250/500 level
- Drivers age 16 to 20 are the costliest to insure, as much as $557 each month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $2,160 more every year than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $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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