Toyota Mirai Insurance Rates
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UPDATED: Jun 2, 2024
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Estimated insurance prices for a Toyota Mirai are $1,932 every 12 months for full coverage. Comprehensive costs an estimated $426, collision costs $918, and liability costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $4,228. Teen 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:
Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all Mirai models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Toyota Mirai go from the cheapest price of $486 for liability-only coverage to the much higher price of $4,228 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location can have significant affects on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas.
The example below illustrates how where you live affects insurance prices.
These rate differences show why everyone should compare rates for a targeted area and their own driving history, instead of using price 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.
Additional Charts and Tables
The chart below shows estimated Toyota Mirai insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,066
- Drivers who choose higher $1,000 deductibles will pay approximately $304 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,932
- Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $2,532
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $4,228 or more
- An auto insurance policy to insure a teen driver for full coverage can cost as much as $7,010 a year
Auto insurance prices for a Toyota Mirai also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $910 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,800 per year on average, or $150 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $7,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $2,300 to $3,100 in extra premium annually, depending on your age. Toyota Mirai insurance for high-risk drivers can cost as much as 44% to 133% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Toyota Mirai insurance prices. A 40-year-old driver could pay as low as $1,270 a year in states like Iowa, Maine, and Idaho, or 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% |
With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every company uses a different rate calculation, and quoted 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 Shop for Cheaper Toyota Mirai Insurance
Finding better rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every year by getting rate quotes from direct carriers, and also from several local insurance agents.
Below is a condensed summary of the coverage data touched on in the above illustrations.
- Drivers can save approximately $250 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $900 each year
- Teenage drivers are the costliest to insure, as much as $584 per month if comprehensive and collision insurance is included
- Higher risk drivers with multiple at-fault accidents 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.
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