Toyota Mirai Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance rates for a Toyota Mirai are $1,820 a year for full coverage. Comprehensive insurance costs an estimated $388 a year, collision costs $822, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing $3,980 or more. Teenage drivers cost the most to insure at $6,678 a year or more.
Average premium for full coverage: $1,820
Policy rates broken down by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Mirai trim levels.
Price Range Variability
For a 40-year-old driver, Toyota Mirai insurance rates go from as low as $504 for just liability coverage to a high of $3,980 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.
The diagram below illustrates how your location can change insurance prices.
The examples above show why it is important to get quotes for a targeted area and risk profile, instead of making a decision based on average rates.
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.
Detailed Rate Analysis
The chart below shows estimated Toyota Mirai insurance rates for other coverage scenarios.
- The best discount rate is $1,009
- Choosing higher $1,000 deductibles can save approximately $1,546 a year
- The average rate for a good driver age 40 who has $500 deductibles is $1,820
- Using low $100 deductibles for comp and collision coverage will cost an extra $538 annually
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,980 or more
- Policy cost for full coverage for a 16-year-old driver can cost as much as $6,678 each year
Insurance rates for a Toyota Mirai also range considerably based on your risk profile, the trim level of your Mirai, and liability limits and deductibles.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $6,600 a year. View Rates by Age
Your home state plays a big part in determining prices for Toyota Mirai insurance prices. A good driver about age 40 could pay as low as $1,200 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,590 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,646 | -$174 | -9.6% |
| Alaska | $1,394 | -$426 | -23.4% |
| Arizona | $1,510 | -$310 | -17.0% |
| Arkansas | $1,820 | -$0 | 0.0% |
| California | $2,074 | $254 | 14.0% |
| Colorado | $1,738 | -$82 | -4.5% |
| Connecticut | $1,872 | $52 | 2.9% |
| Delaware | $2,058 | $238 | 13.1% |
| Florida | $2,276 | $456 | 25.1% |
| Georgia | $1,680 | -$140 | -7.7% |
| Hawaii | $1,306 | -$514 | -28.2% |
| Idaho | $1,232 | -$588 | -32.3% |
| Illinois | $1,356 | -$464 | -25.5% |
| Indiana | $1,370 | -$450 | -24.7% |
| Iowa | $1,228 | -$592 | -32.5% |
| Kansas | $1,730 | -$90 | -4.9% |
| Kentucky | $2,482 | $662 | 36.4% |
| Louisiana | $2,694 | $874 | 48.0% |
| Maine | $1,122 | -$698 | -38.4% |
| Maryland | $1,500 | -$320 | -17.6% |
| Massachusetts | $1,456 | -$364 | -20.0% |
| Michigan | $3,160 | $1,340 | 73.6% |
| Minnesota | $1,522 | -$298 | -16.4% |
| Mississippi | $2,180 | $360 | 19.8% |
| Missouri | $1,614 | -$206 | -11.3% |
| Montana | $1,954 | $134 | 7.4% |
| Nebraska | $1,436 | -$384 | -21.1% |
| Nevada | $2,182 | $362 | 19.9% |
| New Hampshire | $1,312 | -$508 | -27.9% |
| New Jersey | $2,034 | $214 | 11.8% |
| New Mexico | $1,612 | -$208 | -11.4% |
| New York | $1,916 | $96 | 5.3% |
| North Carolina | $1,048 | -$772 | -42.4% |
| North Dakota | $1,490 | -$330 | -18.1% |
| Ohio | $1,258 | -$562 | -30.9% |
| Oklahoma | $1,868 | $48 | 2.6% |
| Oregon | $1,666 | -$154 | -8.5% |
| Pennsylvania | $1,736 | -$84 | -4.6% |
| Rhode Island | $2,426 | $606 | 33.3% |
| South Carolina | $1,646 | -$174 | -9.6% |
| South Dakota | $1,534 | -$286 | -15.7% |
| Tennessee | $1,592 | -$228 | -12.5% |
| Texas | $2,192 | $372 | 20.4% |
| Utah | $1,346 | -$474 | -26.0% |
| Vermont | $1,244 | -$576 | -31.6% |
| Virginia | $1,090 | -$730 | -40.1% |
| Washington | $1,404 | -$416 | -22.9% |
| West Virginia | $1,668 | -$152 | -8.4% |
| Wisconsin | $1,260 | -$560 | -30.8% |
| Wyoming | $1,620 | -$200 | -11.0% |
Using high physical damage deductibles can save as much as $820 annually, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying $2,200 to $3,000 additional every year, depending on your age. A high-risk auto insurance policy ranges from 45% to 135% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Toyota Mirai | $388 | $822 | $452 | $1,820 |
| 2017 Toyota Mirai | $372 | $774 | $456 | $1,760 |
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 Right Toyota Mirai Insurance
Finding cheaper rates on insurance for a Toyota Mirai takes having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following items are a quick rundown of the data illustrated above.
- Insureds who want additional liability coverage will pay an extra $500 each year to raise limits from a 30/60 limit to 250/500 limits
- Drivers can save approximately $230 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $800 each year
- 16 to 18-year-old drivers are expensive to insure, costing up to $557 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,678 |
| 20 | $4,250 |
| 30 | $1,912 |
| 40 | $1,820 |
| 50 | $1,660 |
| 60 | $1,630 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,358 |
| $250 | $2,106 |
| $500 | $1,820 |
| $1,000 | $1,546 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,820 |
| 50/100 | $1,910 |
| 100/300 | $2,023 |
| 250/500 | $2,317 |
| 100 CSL | $1,956 |
| 300 CSL | $2,204 |
| 500 CSL | $2,385 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,598 |
| 20 | $6,782 |
| 30 | $4,082 |
| 40 | $3,980 |
| 50 | $3,800 |
| 60 | $3,770 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $100 |
| Multi-vehicle | $98 |
| Homeowner | $26 |
| 5-yr Accident Free | $146 |
| 5-yr Claim Free | $121 |
| Paid in Full/EFT | $91 |
| Advance Quote | $96 |
| Online Quote | $133 |
| Total Discounts | $811 |
Discounts are estimated and may not be available from every company or in every state.
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