Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Toyota Mirai? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota Mirai facts

  • Average auto insurance premium: $196/month

  • Most affordable companies: USAA ($130/month) & Progressive ($134/month)

  • Mirai insurance cost vs. average rate: $23 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota Mirai by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Toyota Mirai insurer costs by state:

Risk factors affecting Toyota Mirai rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Safety Ratings & Mirai Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

Top Safety Ratings from IIHS & NHTSA

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as “Top Safety Pick+” (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn’t necessarily mean lower repair costs in the event of an accident. Still, it does protect the car’s occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

Methodology

AutoInsureSavings.org collects quotes from the state’s largest car insurers for a 30-year-old male or female motorist for our driver profile. Each driver has a clean driving record, and we applied a good driver, anti-theft, and paperless discounts. Price quotes for each insurer are via Quadrant Information Services.

We retrieved quotes for different years of 86’s and trim levels from rate data in this instance.

The full coverage policy included:

$50,000 bodily injury liability per person.
$100,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$50,000 uninsured motorist coverage per person.
$100,000 uninsured motorist coverage per accident.

Collision coverage with a $500 deductible.
Comprehensive coverage with a $500 deductible.

AutoInsureSavings.org uses rate data from Quadrant Information Services. We sourced quotes from insurer filings that are publicly available for rate comparison. Your rates will vary when you get quotes. AutoInsureSavings licensed agents recommend getting quotes before purchasing a new or used motor vehicle to find the best savings for your financial situation and expenses. 

2021 Toyota Mirai

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2908
Allstate$2343
American Family$2019
Country Financial$2616
Erie$1745
GEICO$1857
Liberty Mutual$1971
Mercury$2157
MetLife$2841
Nationwide$1946
Progressive$1608
State Farm$1652
Tennessee Farmers$2045
Travelers$2483
USAA$1570

Compare all 2021 Toyota Mirai rates

Average Cost to Insure Per Year

$2360

List Price

$49500

Trims Available

Base - XLE Fuel Cell EV - Limited Fuel Cell EV - Toyota Safety Sense 2.5+ (TSS 2.5+) - Premium Audio with 14 JBL speakers, 12.3-in. touchscreen display, and Android Auto & Apple CarPlay & Amazon Alexa 94 compatibility

2020 Toyota Mirai

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3358
Allstate$2706
American Family$2434
Country Financial$2955
Erie$2012
GEICO$2039
Liberty Mutual$2249
Mercury$2619
Nationwide$2155
Progressive$1853
State Farm$1924
Tennessee Farmers$2495
Travelers$2834
USAA$1802

Compare all 2020 Toyota Mirai rates

Average Cost to Insure Per Year

$2615

List Price

$58550

Trims Available

Base - XLE Fuel Cell EV - Limited Fuel Cell EV - Toyota Safety Sense 2.5+ (TSS 2.5+) - Premium Audio with 14 JBL speakers, 12.3-in. touchscreen display, and Android Auto & Apple CarPlay & Amazon Alexa 94 compatibility

2019 Toyota Mirai

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3306
Allstate$2526
American Family$2262
Country Financial$2733
Erie$1639
GEICO$1745
Liberty Mutual$2083
Mercury$2347
Nationwide$1900
Progressive$1581
State Farm$1607
Tennessee Farmers$2301
Travelers$2637
USAA$1483

Compare all 2019 Toyota Mirai rates

Average Cost to Insure Per Year

$2459

List Price

$60000

Trims Available

Base - XLE Fuel Cell EV - Limited Fuel Cell EV - Toyota Safety Sense 2.5+ (TSS 2.5+) - Premium Audio with 14 JBL speakers, 12.3-in. touchscreen display, and Android Auto & Apple CarPlay & Amazon Alexa 94 compatibility

2018 Toyota Mirai

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3220
Allstate$2467
American Family$2219
Country Financial$2632
Erie$1580
GEICO$1635
Kentucky Farm Bureau$2764
Liberty Mutual$2030
Mercury$2318
Nationwide$1871
Progressive$1386
State Farm$1479
Tennessee Farmers$2254
Travelers$2541
USAA$1320

Compare all 2018 Toyota Mirai rates

Average Cost to Insure Per Year

$2084

List Price

$57550

Trims Available

Base - XLE Fuel Cell EV - Limited Fuel Cell EV - Toyota Safety Sense 2.5+ (TSS 2.5+) - Premium Audio with 14 JBL speakers, 12.3-in. touchscreen display, and Android Auto & Apple CarPlay & Amazon Alexa 94 compatibility

2017 Toyota Mirai

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1330
Allstate$ 1330
Amica$ 2218
Amica$ 2218
Arbella$ 1727
Arbella$ 1727
GEICO$ 1451
GEICO$ 1451
Liberty Mutual$ 3372
Liberty Mutual$ 3372
MetLife$ 2604
MetLife$ 2604
Plymouth Rock Insurance$ 934
Plymouth Rock Insurance$ 934
Progressive$ 1056
Progressive$ 1056
Quincy Mutual$ 1302
Quincy Mutual$ 1302
State Farm$ 1738
State Farm$ 1738
Texas Farm Bureau$ 1454
Texas Farm Bureau$ 1454
USAA$ 1173
USAA$ 1173

Compare all 2017 Toyota Mirai rates

Average Cost to Insure Per Year

$ 1626

List Price

$ 57500

Trims Available

Base

2016 Toyota Mirai

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1606
Acuity$ 1606
Arbella$ 1699
Arbella$ 1699
Country$ 1820
Country$ 1820
Erie$ 1331
Erie$ 1331
Mercury$ 1357
Mercury$ 1357
Plymouth Rock Insurance$ 1516
Plymouth Rock Insurance$ 1516
Progressive$ 1565
Progressive$ 1565
Quincy Mutual$ 1273
Quincy Mutual$ 1273
Tennessee Farmers$ 1192
Tennessee Farmers$ 1192
Texas Farm Bureau$ 1420
Texas Farm Bureau$ 1420
USAA$ 1522
USAA$ 1522
Vermont Mutual$ 1689
Vermont Mutual$ 1689

Compare all 2016 Toyota Mirai rates

Average Cost to Insure Per Year

$2347

List Price

$57500

Trims Available

Base - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)