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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Estimated insurance prices for a Toyota Mirai are $1,820 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $388 each year, collision costs $822, and liability coverage is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing $3,980 or more. 16-year-old drivers pay the most at $6,678 a year or more.
Average premium for full coverage: $1,820
Premium estimates broken down by type of coverage:
Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Mirai models.
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 your basic liability-only policy to a high rate of $3,980 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities.
The graphic below illustrates the difference location can make on insurance prices.
These rate differences illustrate why all drivers should get quotes for a targeted area and their own driving history, rather than using 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 Information
The chart below illustrates estimated Toyota Mirai insurance rates for other coverage scenarios.
- The best full coverage rate is $1,009
- Choosing higher $1,000 deductibles can save approximately $274 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,820
- Buying low deductibles for comp and collision coverage costs an extra $538 each year
- Drivers with multiple tickets or accidents could pay up to $3,980 or more
- An auto insurance policy to insure a teenage driver can cost as much as $6,678 each year
Insurance prices for a Toyota Mirai also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $820 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $6,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $2,200 to $3,000 additional annually, depending on your age. Insurance for high-risk drivers ranges around 45% to 135% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Toyota Mirai insurance rates. A good driver about age 40 could pay 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 such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and 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 Low Cost Toyota Mirai Insurance
Finding better rates on auto insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at every other renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a review of the concepts that were touched on in this article.
- Drivers who have several accidents or serious violations could be forced to pay on average $2,160 more annually to insure their Mirai
- Teen drivers are expensive to insure, with premiums being up to $557 per month if full coverage is included
- It is possible to save approximately $230 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $800 each year
- It is possible to save approximately $230 per year simply by quoting online in advance
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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