Toyota Mirai Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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Average auto insurance rates for a Toyota Mirai are $1,820 annually for full coverage insurance. Comprehensive costs an estimated $388, collision costs $822, and liability insurance is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $3,980. 16-year-old drivers receive the highest rates at $6,678 a year or more.
Average premium for full coverage: $1,820
Rate estimates broken down by individual coverage type:
Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Mirai trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $504 for just liability insurance to a much higher rate of $3,980 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities.
The price range example below illustrates the effect of geographic area on insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying 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.
More Rate Details
The chart below illustrates estimated Toyota Mirai insurance rates for other coverage scenarios.
- The best full coverage rate is $1,009
- Raising to $1,000 deductibles will save approximately $274 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,820
- Buying more expensive low deductibles will cost $2,358
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,980 or more
- The cost with full coverage for a teen driver with full coverage can cost as much as $6,678
Insurance rates for a Toyota Mirai can also vary considerably based on the trim level of your Mirai, your risk profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $6,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $2,200 to $3,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $820 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Toyota Mirai insurance rates. A middle-age driver might find rates as low as $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,460 on average in Florida, 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 so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates can be significantly 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
Saving money on Toyota Mirai insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at every other renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The items below are a review of the concepts that were covered in the above illustrations.
- High-risk drivers who have several accidents or serious violations may pay on average $2,160 more annually to insure their Mirai
- Teen drivers are charged the highest rates, costing up to $557 per month including comprehensive and collision insurance
- It is possible to save approximately $230 per year simply by shopping early and online
- Increasing deductibles could save up to $800 each year
- It is possible to save approximately $230 per year simply by shopping early and online
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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