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...
Licensed Insurance Agent
UPDATED: Jun 2, 2024
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Average insurance prices for a Toyota Mirai are $1,820 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $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 $3,980 or more. Teens receive the highest rates at up to $6,678 a year.
Average premium for full coverage: $1,820
Rate estimates broken down by individual coverage type:
Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Mirai models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $504 for basic liability insurance to the much higher price of $3,980 for a high-risk insurance policy.
Price Range by Location
Where you live can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change insurance prices.
These examples illustrate why everyone should compare prices for a targeted area and their own driving history, instead of using 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.
Rate Comparisons
The chart below illustrates average Toyota Mirai insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,009
- Using higher $1,000 deductibles will save approximately $274 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,820
- Selecting pricier low deductibles for physical damage coverage costs an extra $538 every year
- Drivers with serious driving violations could pay up to $3,980
- The cost to insure a teen driver for full coverage can cost as much as $6,678 or more
Insurance rates for a Toyota Mirai can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $820 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,700 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $6,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $2,200 to $3,000 extra per year, depending on your age. Toyota Mirai insurance for high-risk drivers can be as much as 45% to 135% more than the average policy. View High Risk Driver Rates
Where you live has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see rates as low as $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay 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% |
| 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
Saving money on car insurance requires having a good driving record, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a quick review of the car insurance concepts illustrated above.
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $2,160 more annually to buy Toyota Mirai insurance
- It is possible to save approximately $230 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $800 each year
- Policyholders who want increased levels of liability coverage will pay approximately $500 annually to increase from a minimum limit to a 250/500 level
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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