Toyota Mirai Insurance Rates

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UPDATED: Jun 2, 2024

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U.S. average insurance rates for a Toyota Mirai are $1,888 a year for full coverage. Comprehensive costs around $402 each year, collision costs $886, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing around $4,144. 16-year-old drivers pay the highest rates at $6,912 a year or more.

Average premium for full coverage: $1,888

Price estimates for individual coverage:

Comprehensive $402
Collision $886
Liability $442

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Mirai models.

Price Range from Low to High

Using a middle-aged driver as an example, Toyota Mirai insurance prices go from as low as $496 for just liability insurance to a high rate of $4,144 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $1,888
High Risk $4,144

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities.

The graphic below illustrates how where you live affects auto insurance rates.

Rural Areas $1,416
Small Cities $1,982
Large Cities $2,549

The ranges above show why all drivers should get quotes for a specific zip code and risk profile, instead of using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

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

  • The best full coverage rate is $1,042
  • Choosing higher $1,000 deductibles can save about $290 a year
  • The average rate for the average middle-age driver using $500 deductibles is $1,888
  • Buying low deductibles for comp and collision coverage will increase the cost to $2,464
  • Unlucky drivers with multiple tickets or accidents could pay at least $4,144 or more
  • The price for full coverage for a teen driver can be $6,912 each year

View Chart as Image

Toyota Mirai insurance cost comparison chart
Column chart showing full coverage Toyota Mirai insurance rates range from $1,042 to $6,912

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

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $6,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Mirai insurance prices. A good driver about age 40 could pay as low as $1,240 a year in states like Idaho, Maine, and Iowa, or at least $2,700 on average in Michigan, Louisiana, and New York.

Toyota Mirai Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,710 -$178 -9.4%
Alaska $1,450 -$438 -23.2%
Arizona $1,570 -$318 -16.8%
Arkansas $1,888 -$0 0.0%
California $2,154 $266 14.1%
Colorado $1,804 -$84 -4.4%
Connecticut $1,942 $54 2.9%
Delaware $2,138 $250 13.2%
Florida $2,364 $476 25.2%
Georgia $1,744 -$144 -7.6%
Hawaii $1,358 -$530 -28.1%
Idaho $1,278 -$610 -32.3%
Illinois $1,408 -$480 -25.4%
Indiana $1,424 -$464 -24.6%
Iowa $1,274 -$614 -32.5%
Kansas $1,796 -$92 -4.9%
Kentucky $2,580 $692 36.7%
Louisiana $2,798 $910 48.2%
Maine $1,164 -$724 -38.3%
Maryland $1,560 -$328 -17.4%
Massachusetts $1,512 -$376 -19.9%
Michigan $3,284 $1,396 73.9%
Minnesota $1,582 -$306 -16.2%
Mississippi $2,264 $376 19.9%
Missouri $1,676 -$212 -11.2%
Montana $2,030 $142 7.5%
Nebraska $1,490 -$398 -21.1%
Nevada $2,264 $376 19.9%
New Hampshire $1,360 -$528 -28.0%
New Jersey $2,112 $224 11.9%
New Mexico $1,674 -$214 -11.3%
New York $1,992 $104 5.5%
North Carolina $1,088 -$800 -42.4%
North Dakota $1,548 -$340 -18.0%
Ohio $1,306 -$582 -30.8%
Oklahoma $1,942 $54 2.9%
Oregon $1,732 -$156 -8.3%
Pennsylvania $1,804 -$84 -4.4%
Rhode Island $2,522 $634 33.6%
South Carolina $1,710 -$178 -9.4%
South Dakota $1,596 -$292 -15.5%
Tennessee $1,656 -$232 -12.3%
Texas $2,278 $390 20.7%
Utah $1,400 -$488 -25.8%
Vermont $1,294 -$594 -31.5%
Virginia $1,134 -$754 -39.9%
Washington $1,460 -$428 -22.7%
West Virginia $1,732 -$156 -8.3%
Wisconsin $1,308 -$580 -30.7%
Wyoming $1,684 -$204 -10.8%

View Chart as Image

Toyota Mirai insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $870 every year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $2,300 to $3,100 additional each year, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 136% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, and prices may be quite different from one company to the next.

Toyota Mirai Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Mirai $476 $990 $390 $2,014
2023 Toyota Mirai $458 $982 $398 $1,996
2022 Toyota Mirai $442 $958 $416 $1,974
2021 Toyota Mirai $426 $918 $430 $1,932
2020 Toyota Mirai $402 $886 $442 $1,888
2019 Toyota Mirai $388 $822 $452 $1,820
2018 Toyota Mirai $372 $774 $456 $1,760
2017 Toyota Mirai $356 $694 $460 $1,668

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 Find the Best Cheap Toyota Mirai Insurance

Getting lower rates on car insurance takes avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The list below is a quick review of the primary concepts that were touched on in the above illustrations.

  • Drivers can save up to $240 per year simply by quoting online in advance
  • Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $2,260 more every year for car insurance
  • Increasing physical damage deductibles can save around $875 each year
  • Teenagers are charged the highest prices, with premiums as much as $576 a month including comprehensive and collision insurance

Rates by Driver Age

Toyota Mirai Insurance Rates by Driver Age
Driver Age Premium
16 $6,912
20 $4,428
30 $1,990
40 $1,888
50 $1,726
60 $1,696

Full coverage, $500 deductibles

Rates by Deductible

Toyota Mirai Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,464
$250 $2,196
$500 $1,888
$1,000 $1,598

Full coverage, driver age 40

Rates by Liability Limit

Toyota Mirai Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,888
50/100 $1,976
100/300 $2,087
250/500 $2,374
100 CSL $2,021
300 CSL $2,264
500 CSL $2,441

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Mirai Insurance Rates for High Risk Drivers
Age Premium
16 $9,942
20 $7,066
30 $4,254
40 $4,144
50 $3,956
60 $3,924

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 $278

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $104
Multi-vehicle $101
Homeowner $26
5-yr Accident Free $154
5-yr Claim Free $126
Paid in Full/EFT $96
Advance Quote $101
Online Quote $138
Total Discounts $846
Rate after discounts $1,042

Discounts are estimated and may not be available from every company or in every state.

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