Toyota Mirai Insurance Rates

U.S. average insurance rates for a Toyota Mirai are $1,820 a year including full coverage. Comprehensive costs approximately $388 each year, collision insurance costs $822, and liability is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs around $3,980. Teenage drivers pay the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Price estimates by individual coverage:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Mirai models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

The ranges above highlight why all drivers should compare rates quotes using their specific location and risk profile, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $1,009
• Raising to $1,000 deductibles will save $274 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,820
• Using low deductibles will increase the cost to $2,358
• At-risk drivers who are prone to accidents and violations could pay around $3,980
• The price for full coverage for a teen driver can cost $6,678

View Chart as Image

Insurance prices for a Toyota Mirai are also quite variable based on your driving record, the model of your Mirai, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,600 a year. View Rates by Age

The state you live in also has a big influence on Toyota Mirai insurance prices. A middle-age driver might find prices as low as $1,390 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,590 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $820 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $2,200 to $3,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 135% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Toyota Mirai Insurance

Getting lower rates on car insurance consists of having a good driving record, maintaining good credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a review of the data presented in the illustrations above.

• Policyholders who purchase increased levels of liability coverage will pay an extra $500 per year to raise from a low limit to 250/500 limits
• You may be able to save around $230 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $800 each year
• Drivers age 20 and younger are expensive to insure, possibly costing $557 a month for full coverage