Toyota Mirai Insurance Rates

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UPDATED: Jun 2, 2024

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Average auto insurance rates for a Toyota Mirai are $1,820 annually for full coverage insurance. Comprehensive insurance costs approximately $388 each year, collision insurance costs $822, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs $3,980 or more. 16-year-old drivers receive the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Rate estimates by individual coverage type:

Comprehensive $388
Collision $822
Liability $452

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Mirai models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as cheap as $504 for just liability insurance to a high rate of $3,980 for coverage for higher-risk drivers.

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

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have fewer physical damage claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.

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

These examples illustrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

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More Rate Details

The chart below illustrates 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 $274 each year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,820
  • Buying low deductibles for physical damage coverage costs an additional $538 annually
  • High-risk insureds with multiple tickets or accidents could pay around $3,980
  • The cost with full coverage for a 16-year-old driver can cost $6,678 or more

View Chart as Image

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

Insurance rates for a Toyota Mirai can also vary considerably based on the trim level of your Mirai, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,700 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $2,200 to $3,000 additional per year, depending on your age. Insurance for high-risk drivers can be from 45% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $820 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Toyota Mirai insurance prices. A driver around age 40 might see rates as low as $1,190 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,460 on average in Florida, New York, and Michigan.

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 Buy Cheaper Toyota Mirai Insurance

Saving money on insurance for a Toyota Mirai requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at least once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a condensed summary of the primary concepts that were covered in the charts and tables above.

  • It is possible to save around $230 per year just by quoting online in advance
  • Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $2,160 more per year than a low-risk driver
  • Increasing deductibles could save up to $800 each year
  • Youthful drivers are the costliest to insure, costing up to $557 per month if they have full coverage

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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