Toyota Mirai Insurance Rates

The average insurance rates for a Toyota Mirai are $1,820 a year for full coverage. Comprehensive costs on average $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. Teens 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:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Mirai models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why everyone should compare prices based on a specific location and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows average Toyota Mirai insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $1,009
• Using higher $1,000 deductibles will save around $274 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,820
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $2,358
• Drivers with serious driving violations could pay upwards of $3,980
• Policy cost for full coverage for a teen driver for full coverage may cost $6,678 or more

View Chart as Image

Car insurance rates for a Toyota Mirai also range considerably based on your risk profile, the trim level of your Mirai, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $6,600 a year. View Rates by Age

Your home state has a huge impact on Toyota Mirai insurance rates. A driver around age 40 might see rates as low as $1,200 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,590 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $820 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $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 the average policy. View High Risk Driver Rates

How to Find the Right Toyota Mirai Insurance

Finding cheaper rates on Toyota Mirai insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates at least once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below you'll find a quick rundown of the primary concepts that were covered above.

• Drivers can save as much as $230 per year just by quoting online well ahead of the renewal date
• High-risk drivers with reckless driving or DUI convictions will pay on average $2,160 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $800 each year
• Youthful drivers are expensive to insure, costing up to $557 each month if full coverage is included