Toyota Mirai Insurance Rates
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Michelle Robbins
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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 including full coverage. Comprehensive insurance costs on average $388 each year, collision insurance costs $822, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs $3,980 or more. 16-year-old drivers cost the most to insure at up to $6,678 a year.
Average premium for full coverage: $1,820
Policy rates by type of insurance:
These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Mirai models.
Price Range Variability
For a 40-year-old driver, Toyota Mirai insurance rates range from the cheapest price of $504 for just liability insurance to a high rate of $3,980 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change car insurance rates.
The examples above highlight why all drivers should get quotes based on a specific location and their own driving history, instead of 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 Details
The chart below breaks down average Toyota Mirai insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,009
- Choosing higher $1,000 deductibles can save around $274 every year
- The average price for a good driver age 40 with $500 deductibles is $1,820
- Buying low deductibles for comp and collision coverage costs an extra $538 every year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $3,980
- Policy cost to insure a teen driver may cost $6,678 each year
Insurance rates for a Toyota Mirai also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Mirai.
Opting for high physical damage deductibles can save as much as $820 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $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 are likely paying at a minimum $2,200 to $3,000 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 135% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Toyota Mirai insurance prices. A good driver about age 40 could pay as low as $1,390 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,590 on average in Michigan, New York, and Louisiana.
| 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 Cheap Toyota Mirai Insurance
Finding cheaper rates on car insurance takes being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Invest the time to shop around once a year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.
Below is a brief summary of the data that was illustrated above.
- You may be able to save as much as $230 per year just by quoting online in advance
- Policyholders who require higher levels of liability will pay around $500 per year to raise limits from a 30/60 limit to a 250/500 level
- Teenage drivers pay the highest rates, with premiums being up to $557 each month if they have full coverage
- Higher risk drivers that tend to have accidents or serious violations may pay on average $2,160 more each year for auto insurance
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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