Toyota Mirai Insurance Rates

The average insurance prices for a Toyota Mirai are $1,820 every 12 months including full coverage. Comprehensive costs approximately $388 a year, collision insurance costs $822, and liability costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs around $3,980. 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:

Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Mirai trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on rate averages.

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

More Rate Details

The chart below breaks down average Toyota Mirai insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $1,009
• Using higher $1,000 deductibles will save $1,546 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,820
• Buying low $100 deductibles for physical damage coverage increases the price to $2,358
• High-risk insureds with multiple tickets or accidents could pay around $3,980
• Policy cost to insure a 16-year-old driver can cost $6,678 or more

View Chart as Image

Insurance rates for a Toyota Mirai also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Mirai.

Opting for high physical damage deductibles could cut rates by as much as $820 annually, while buying higher liability limits will push rates upward. 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

Older drivers with a clean driving record and higher deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark 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 anywhere from $2,200 to $3,000 extra every year, depending on your age. A high-risk auto insurance policy can be from 45% to 135% more than the average rate. 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 $1,390 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,590 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for the Best Toyota Mirai Insurance

Finding cheaper rates on insurance for a Toyota Mirai requires being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below is a brief recap of the coverage data raised in the charts and tables above.

• You may be able to save around $230 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $800 each year
• Teenage drivers are expensive to insure, with premiums being up to $557 each month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations could be charged and average of $2,160 more per year for auto insurance