Toyota Mirai Insurance Rates

U.S. average insurance rates for a Toyota Mirai are $1,888 a year with full coverage. Comprehensive costs on average $402 each year, collision insurance costs $886, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs around $4,144. Teenage drivers pay the highest rates at up to $6,912 a year.

Average premium for full coverage: $1,888

Price estimates by individual coverage:

These estimates include $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Mirai models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how where you live affects car insurance rates.

The ranges above demonstrate why all drivers should compare prices based on a specific location and risk profile, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $1,042
• Using higher $1,000 deductibles will save around $290 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,888
• Using low deductibles for physical damage coverage will increase the cost to $2,464
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $4,144
• The price for full coverage for a teenage driver may cost $6,912 or more

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may only pay around $1,700 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $6,900 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 $1,360 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,550 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $870 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $2,300 to $3,100 extra each year, depending on your age. Insurance for high-risk drivers can be around 45% to 136% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Toyota Mirai Insurance

Getting lower rates on auto insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The next list is a brief summary of the material that was touched on in the above illustrations.

• Consumers who require increased levels of liability coverage will pay an extra $490 every year to increase from a low limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, costing up to $576 a month if full coverage is included
• Drivers that tend to have accidents or serious violations may be required to pay an average of $2,260 more each year to buy Toyota Mirai insurance
• Increasing physical damage deductibles can save around $875 each year