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 for full coverage insurance. Comprehensive costs around $388, collision insurance costs $822, and liability insurance costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs around $3,980. Teenage drivers 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:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Mirai models.
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 the much higher price of $3,980 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why everyone should compare prices for a specific zip code and their own driving history, rather than relying on average rates.
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 average Toyota Mirai insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,009
- Using higher $1,000 deductibles will save about $274 each year
- The average price for a good driver age 40 using $500 deductibles is $1,820
- Using pricier low deductibles for physical damage coverage increases the price to $2,358
- Drivers who are prone to accidents and violations could pay at least $3,980
- Policy cost to insure a teen driver for full coverage can be $6,678 or more
Car insurance rates for a Toyota Mirai also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Using high physical damage deductibles could cut rates by as much as $820 each year, whereas buying more liability protection will increase rates. Switching 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
A more mature driver with no driving violations and higher deductibles could pay as little 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 are probably paying at least $2,200 to $3,000 extra every year, depending on your age. Toyota Mirai insurance for high-risk drivers can be anywhere from 45% to 135% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Toyota Mirai insurance rates. A driver around age 40 might see rates as low as $1,190 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,460 on average in Michigan, New York, and Florida.
| 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 Toyota Mirai insurance requires avoiding accidents and claims, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a brief summary of the car insurance concepts raised in the charts and tables above.
- High-risk drivers that tend to have accidents or serious violations may pay on average $2,160 more every year to insure a Toyota Mirai
- It is possible to save up to $230 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $800 each year
- Drivers who may need increased liability limits will pay an extra $500 annually to increase from a 30/60 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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