Toyota Mirai Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance rates for a Toyota Mirai are $1,932 a year for full coverage. Comprehensive costs an estimated $426, collision costs $918, and liability is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing around $4,228. Teenage drivers pay the most at $7,010 a year or more.
Average premium for full coverage: $1,932
Premium estimates broken down by type of coverage:
Includes $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different Mirai trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Toyota Mirai go from the low end price of $486 for just the minimum liability insurance to a much higher rate of $4,228 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.
The price range example below illustrates how where you live affects insurance prices.
These rate differences show why anyone shopping for car insurance should get quotes for a targeted area, 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.
Additional Rate Analysis
The chart below shows estimated Toyota Mirai insurance rates for other coverage scenarios.
- The best discount rate is $1,066
- Choosing higher $1,000 deductibles can save approximately $304 a year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,932
- Using more expensive low deductibles for comp and collision coverage bumps up the cost to $2,532
- Higher-risk drivers who are prone to accidents and violations could pay up to $4,228 or more
- An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $7,010 each year
Insurance prices for a Toyota Mirai also have a wide range based on the model year and trim level, how you drive, and liability limits and deductibles.
If you have a few violations or you caused an accident, you could be paying $2,300 to $3,100 extra annually, depending on your age. High-risk driver insurance ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,800 annually on average, or $150 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $7,000 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Toyota Mirai insurance prices. A good driver about age 40 could pay as low as $1,270 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,760 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,746 | -$186 | -9.6% |
| Alaska | $1,482 | -$450 | -23.3% |
| Arizona | $1,604 | -$328 | -17.0% |
| Arkansas | $1,932 | -$0 | 0.0% |
| California | $2,202 | $270 | 14.0% |
| Colorado | $1,844 | -$88 | -4.6% |
| Connecticut | $1,988 | $56 | 2.9% |
| Delaware | $2,186 | $254 | 13.1% |
| Florida | $2,416 | $484 | 25.1% |
| Georgia | $1,784 | -$148 | -7.7% |
| Hawaii | $1,388 | -$544 | -28.2% |
| Idaho | $1,306 | -$626 | -32.4% |
| Illinois | $1,440 | -$492 | -25.5% |
| Indiana | $1,456 | -$476 | -24.6% |
| Iowa | $1,304 | -$628 | -32.5% |
| Kansas | $1,836 | -$96 | -5.0% |
| Kentucky | $2,636 | $704 | 36.4% |
| Louisiana | $2,860 | $928 | 48.0% |
| Maine | $1,190 | -$742 | -38.4% |
| Maryland | $1,594 | -$338 | -17.5% |
| Massachusetts | $1,546 | -$386 | -20.0% |
| Michigan | $3,358 | $1,426 | 73.8% |
| Minnesota | $1,616 | -$316 | -16.4% |
| Mississippi | $2,314 | $382 | 19.8% |
| Missouri | $1,716 | -$216 | -11.2% |
| Montana | $2,076 | $144 | 7.5% |
| Nebraska | $1,524 | -$408 | -21.1% |
| Nevada | $2,316 | $384 | 19.9% |
| New Hampshire | $1,394 | -$538 | -27.8% |
| New Jersey | $2,160 | $228 | 11.8% |
| New Mexico | $1,712 | -$220 | -11.4% |
| New York | $2,034 | $102 | 5.3% |
| North Carolina | $1,114 | -$818 | -42.3% |
| North Dakota | $1,582 | -$350 | -18.1% |
| Ohio | $1,334 | -$598 | -31.0% |
| Oklahoma | $1,984 | $52 | 2.7% |
| Oregon | $1,770 | -$162 | -8.4% |
| Pennsylvania | $1,844 | -$88 | -4.6% |
| Rhode Island | $2,576 | $644 | 33.3% |
| South Carolina | $1,750 | -$182 | -9.4% |
| South Dakota | $1,630 | -$302 | -15.6% |
| Tennessee | $1,692 | -$240 | -12.4% |
| Texas | $2,330 | $398 | 20.6% |
| Utah | $1,432 | -$500 | -25.9% |
| Vermont | $1,324 | -$608 | -31.5% |
| Virginia | $1,158 | -$774 | -40.1% |
| Washington | $1,492 | -$440 | -22.8% |
| West Virginia | $1,770 | -$162 | -8.4% |
| Wisconsin | $1,338 | -$594 | -30.7% |
| Wyoming | $1,722 | -$210 | -10.9% |
Using high physical damage deductibles can save as much as $910 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $387 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Mirai | $500 | $1,030 | $372 | $2,060 |
| 2023 Toyota Mirai | $476 | $990 | $390 | $2,014 |
| 2022 Toyota Mirai | $458 | $982 | $398 | $1,996 |
| 2021 Toyota Mirai | $442 | $958 | $416 | $1,974 |
| 2020 Toyota Mirai | $426 | $918 | $430 | $1,932 |
| 2019 Toyota Mirai | $402 | $886 | $442 | $1,888 |
| 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 Cheapest Toyota Mirai Insurance
Finding better rates on insurance for a Toyota Mirai takes being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Compare prices every year by getting quotes from direct carriers, and also from your local independent and exclusive agents.
Below is a recap of the coverage data touched on in the above illustrations.
- Drivers can save approximately $250 per year simply by shopping early and online
- Increasing policy deductibles can save approximately $900 each year
- Teenage drivers are charged the highest prices, as much as $584 per month if full coverage is included
- Drivers considered higher risk that have major violations or accidents may pay on average $2,300 more annually for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,010 |
| 20 | $4,518 |
| 30 | $2,036 |
| 40 | $1,932 |
| 50 | $1,762 |
| 60 | $1,730 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,532 |
| $250 | $2,250 |
| $500 | $1,932 |
| $1,000 | $1,628 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,932 |
| 50/100 | $2,018 |
| 100/300 | $2,126 |
| 250/500 | $2,405 |
| 100 CSL | $2,061 |
| 300 CSL | $2,298 |
| 500 CSL | $2,470 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,090 |
| 20 | $7,206 |
| 30 | $4,346 |
| 40 | $4,228 |
| 50 | $4,036 |
| 60 | $4,002 |
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 | $106 |
| Multi-vehicle | $103 |
| Homeowner | $26 |
| 5-yr Accident Free | $158 |
| 5-yr Claim Free | $129 |
| Paid in Full/EFT | $99 |
| Advance Quote | $103 |
| Online Quote | $142 |
| Total Discounts | $866 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
