Toyota Mirai Insurance Rates

U.S. average insurance rates for a Toyota Mirai are $1,820 a year for full coverage insurance. Comprehensive insurance costs on average $388 a year, collision insurance costs $822, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs $3,980 or more. 16-year-old drivers pay the highest rates at up to $6,678 a year.

Average premium for full coverage: $1,820

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Mirai trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why it is important to compare prices based on a specific location, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $1,009
• Using higher $1,000 deductibles will save around $1,546 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,820
• Buying low $100 deductibles for physical damage coverage will cost an additional $538 a year
• Drivers with multiple tickets or accidents could pay upwards of $3,980
• The price that insures a teen driver may cost $6,678 or more

View Chart as Image

Auto insurance prices for a Toyota Mirai are also quite variable based on the trim level of your Mirai, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $2,200 to $3,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,700 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $6,600 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $820 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

How to Find Affordable Toyota Mirai Insurance

Getting lower rates on Toyota Mirai insurance requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Comparison shop every couple of years by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a brief review of the material that was raised in the charts and tables above.

• Drivers who require higher liability limits will pay around $500 annually to increase from a low limit to the 250/500 level
• Teenagers are charged the highest prices, as much as $557 a month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $2,160 more each year for car insurance
• Increasing physical damage deductibles can save approximately $800 each year