Toyota Mirai Car Insurance Cost
Free Auto Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Jun 17, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
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.
Secured with SHA-256 Encryption
Below average Toyota Mirai insurer costs by state:
-
Virginia car insurance – $1,611 per year
-
West Virginia car insurance – $1,754 per year
-
New York car insurance – $2,739 per year
-
Georgia – $2,428 per year
-
Arizona – $1,964 per year
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.
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.
2021 Toyota Mirai
Cheapest Insurance Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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)