Toyota Mirai Insurance Rates

The average insurance prices for a Toyota Mirai are $1,820 every 12 months for full coverage. Comprehensive insurance costs around $388 a year, collision insurance costs $822, and liability insurance costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs $3,980 or more. Teens cost the most to insure at up to $6,678 a year.

Average premium for full coverage: $1,820

Policy rates for type of insurance:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Mirai trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Additional Rate Details

The chart below shows average Toyota Mirai insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $1,009
• Drivers who choose higher $1,000 deductibles will pay about $1,546 a year
• The average price for a good driver age 40 using $500 deductibles is $1,820
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $538 a year
• High risk drivers with serious driving violations could pay at least $3,980
• Policy cost to insure a teen driver can be $6,678 a year

View Chart as Image

Insurance rates for a Toyota Mirai also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $820 each year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,700 per year on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $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 could be paying at least $2,200 to $3,000 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 135% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Toyota Mirai insurance rates. A 40-year-old driver could pay as low as $1,200 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,590 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Low Cost Toyota Mirai Insurance

Finding cheaper rates on Toyota Mirai insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a review of the data that was covered in the above illustrations.

• Drivers can save up to $230 per year just by quoting early and online
• Drivers who may need more liability coverage will pay approximately $500 each year to go from a 30/60 limit to a 250/500 level
• Teen drivers are charged the highest rates, costing up to $557 each month if full coverage is included
• High-risk drivers who have several accidents or serious violations may pay on average $2,160 more every year to insure their Mirai