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:

Comprehensive $388
Collision $822
Liability $452

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.

Liability Only $504
Full Coverage $1,820
High Risk $3,980

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.

Rural Areas $1,365
Small Cities $1,911
Large Cities $2,457

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.

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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

View Chart as Image

Toyota Mirai insurance cost comparison chart
Column chart showing Toyota Mirai insurance rates range from $1,009 to $6,678 for full coverage

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.

Toyota Mirai Insurance Rates by State
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%

View Chart as Image

Toyota Mirai insurance rates by U.S. city
Toyota Mirai Insurance Rates by Model Year
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

Rates by Driver Age

Toyota Mirai Insurance 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

Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,358
$250 $2,106
$500 $1,820
$1,000 $1,546

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
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

Toyota Mirai Insurance 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.

SR-22 Surcharge $266

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
Rate after discounts $1,009

Discounts are estimated and may not be available from every company or in every state.

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