Toyota Mirai Car Insurance Cost
Insuring a Toyota Mirai with Esurance usually costs around $1,700 per year. However, the exact price can differ depending on factors like your age, the car’s model year, and other details. You can use the quote tables below to get a personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering buying a Toyota Mirai, it’s important to factor in the cost of insurance. Insurance is a significant part of car ownership, and knowing the financial commitment beforehand is essential.
Choosing the right car insurance is vital to avoid unexpected and costly surprises later. Having adequate coverage ensures you won’t face large out-of-pocket expenses in case of an accident. Additionally, being at fault in an accident can lead to higher premiums.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving history, and location all significantly impact your insurance premiums.
How Much Does Toyota Mirai Car Insurance Cost?
Esurance usually offers the best rate for full coverage insurance on a 2024 Toyota Mirai, costing about $1,700 per year.
While Esurance’s rate is a good starting point, car insurance costs can vary widely due to several factors. These include your location, driving history, the car’s age, and the coverage options you choose. A clean driving record usually means lower premiums, while a history of accidents or violations can increase your rates.
Living in a busy urban area generally leads to higher insurance costs compared to living in a quiet rural area. Additionally, the type of coverage you select affects your premium. Comprehensive coverage, which includes both comprehensive and collision insurance, is more expensive than basic liability coverage.
At Insuranceopedia, we help you compare quotes from various insurance providers to find the best deal.
2024 Toyota Mirai Insurance Rates
| Insurance Provider | Average Annual Cost |
| Esurance | $1,700 |
| Mercury | $2,270 |
| California Capital | $2,690 |
| Unitrin | $2,690 |
| USAA | $2,830 |
| 21st Century | $3,520 |
| Bristol West | $3,600 |
| Auto Club | $3,670 |
| Farmers | $3,680 |
| Allstate | $3,780 |
2023 Toyota Mirai Insurance Rates
| Insurance Provider | Average Annual Cost |
| California Capital | $2,633 |
| Allstate | $3,699 |
| Bristol West | $3,552 |
| USAA | $2,732 |
| Esurance | $1,632 |
| Unitrin | $2,656 |
| Mercury | $2,213 |
| Auto Club | $3,601 |
| Farmers | $3,674 |
| 21st Century | $3,471 |
2022 Toyota Mirai Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance Company | $1,915 |
| State Farm | $3,066 |
| 21st Century | $2,529 |
| Unitrin | $2,298 |
| Mercury | $1,705 |
| California Capital | $2,168 |
| Esurance | $1,723 |
| Bristol West | $2,667 |
| Farmers | $2,931 |
| USAA | $2,407 |
2021 Toyota Mirai Insurance Rates
| Insurance Provider | Average Annual Cost |
| USAA | $2,245 |
| Auto Club | $2,850 |
| Unitrin | $2,581 |
| 21st Century | $2,404 |
| Mercury | $1,817 |
| Esurance | $2,402 |
| California Capital | $1,986 |
| Alliance United | $2,733 |
| Farmers | $2,712 |
| Bristol West | $2,578 |
2020 Toyota Mirai Insurance Rates
| Insurance Provider | Average Annual Cost |
| Colorado Farm Bureau Mutual | $1,642 |
| Metropolitan | $2,611 |
| Unitrin | $2,461 |
| California Capital | $1,942 |
| Esurance | $1,549 |
| USAA | $1,652 |
| Mercury | $1,607 |
| CSAA | $2,578 |
| 21st Century | $2,627 |
| Bristol West | $2,339 |
2019 Toyota Mirai Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury Insurance Company | $1,907 |
| Farmers | $3,058 |
| Bristol West | $2,779 |
| California Capital | $2,161 |
| Esurance | $1,801 |
| USAA | $1,998 |
| Mercury | $1,919 |
| CSAA | $3,043 |
| Auto Club | $3,036 |
| Unitrin | $2,357 |
2018 Toyota Mirai Insurance Rates
| Insurance Provider | Average Annual Cost |
| Indiana Farmers Mutual Ins | $892 |
| Safe Auto | $1,714 |
| Western Reserve | $1,404 |
| Buckeye Insurance Group | $1,224 |
| Hastings Mutual Insurance Co | $547 |
| Grange Mutual | $1,103 |
| Pekin Insurance | $913 |
| Allied | $1,513 |
| United Farm Bureau of IN Group | $1,717 |
| Westfield | $1,367 |
2017 Toyota Mirai Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury | $1,888 |
| Allied | $2,572 |
| Unitrin | $2,154 |
| California Capital | $2,125 |
| Farm Bureau Mutual (IA Group) | $1,572 |
| USAA | $1,934 |
| Esurance | $1,716 |
| Colorado Farm Bureau Mutual | $2,282 |
| 21st Century | $2,552 |
| Travelers | $2,181 |
2016 Toyota Mirai Insurance Rates
| Insurance Provider | Average Annual Cost |
| Mercury | $2,134 |
| Bristol West | $2,947 |
| California Capital | $2,357 |
| Esurance | $2,162 |
| New Jersey Manufacturers | $1,725 |
| USAA | $2,113 |
| Penn National | $2,062 |
| Unitrin | $2,490 |
| CSAA | $2,829 |
| Mercury Insurance Company | $2,348 |
Find Affordable Toyota Mirai Car Insurance
Cost of Toyota Mirai Car Insurance By Age
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $5,920 | $8,670 | $10,120 |
| 18 | $5,530 | $8,050 | $9,450 |
| 19 | $4,860 | $7,150 | $8,340 |
| 20 | $4,240 | $6,230 | $7,280 |
| 21 | $3,550 | $5,230 | $6,130 |
| 22 | $3,460 | $5,080 | $5,980 |
| 23 | $3,040 | $4,470 | $5,230 |
| 24 | $2,900 | $4,230 | $4,990 |
| 25 | $2,490 | $3,640 | $4,330 |
| 30 | $1,940 | $2,810 | $3,290 |
| 35 | $1,820 | $2,650 | $3,100 |
| 40 | $1,740 | $2,560 | $2,970 |
| 45 | $1,700 | $2,490 | $2,890 |
| 55 | $1,560 | $2,250 | $2,650 |
| 65 | $1,630 | $2,360 | $2,780 |
| 75 | $2,050 | $3,000 | $3,510 |
Toyota Mirai Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $1,840 | $2,700 | $3,400 |
| Alaska | $1,530 | $2,110 | $2,070 |
| Arizona | $1,710 | $2,500 | $3,640 |
| Arkansas | $1,870 | $2,950 | $3,270 |
| California | $2,120 | $3,670 | $2,110 |
| Colorado | $1,960 | $2,750 | $3,460 |
| Connecticut | $2,490 | $3,850 | $4,900 |
| Delaware | $2,070 | $2,750 | $3,530 |
| Florida | $2,470 | $3,380 | $4,400 |
| Hawaii | $800 | $1,100 | $820 |
| Idaho | $1,380 | $1,840 | $2,230 |
| Illinois | $1,470 | $2,190 | $2,500 |
| Indiana | $1,500 | $2,290 | $2,550 |
| Iowa | $1,170 | $1,610 | $1,900 |
| Kansas | $1,570 | $2,300 | $2,690 |
| Kentucky | $2,290 | $3,320 | $3,930 |
| Louisiana | $2,940 | $4,430 | $4,760 |
| Maine | $1,100 | $1,530 | $2,260 |
| Maryland | $1,780 | $2,590 | $2,880 |
| Massachusetts | $1,460 | $2,490 | $1,450 |
| Michigan | $3,450 | $5,240 | $8,290 |
| Minnesota | $1,440 | $1,890 | $2,650 |
| Mississippi | $1,750 | $2,440 | $2,480 |
| Missouri | $1,640 | $2,340 | $3,060 |
| Montana | $1,640 | $2,300 | $2,690 |
| Nebraska | $1,410 | $2,040 | $2,230 |
| Nevada | $2,310 | $3,380 | $3,590 |
| New Hampshire | $1,590 | $2,510 | $3,210 |
| New Jersey | $1,780 | $2,780 | $3,620 |
| New Mexico | $1,800 | $2,670 | $2,790 |
| New York | $1,690 | $2,100 | $3,470 |
| North Carolina | $1,020 | $1,760 | $1,270 |
| North Dakota | $1,420 | $2,130 | $2,550 |
| Ohio | $1,260 | $1,950 | $1,980 |
| Oklahoma | $2,020 | $2,900 | $3,220 |
| Oregon | $1,850 | $2,440 | $2,910 |
| Pennsylvania | $1,550 | $2,250 | $2,670 |
| Rhode Island | $2,590 | $3,780 | $4,250 |
| South Carolina | $1,760 | $2,440 | $3,320 |
| South Dakota | $1,560 | $2,270 | $2,610 |
| Tennessee | $1,870 | $2,720 | $3,610 |
| Texas | $1,850 | $2,690 | $3,340 |
| Utah | $1,580 | $2,220 | $3,060 |
| Vermont | $1,220 | $1,880 | $2,000 |
| Virginia | $1,140 | $1,760 | $1,740 |
| Washington | $1,540 | $2,060 | $2,440 |
| West Virginia | $1,530 | $2,190 | $2,720 |
| Wisconsin | $1,530 | $2,390 | $2,730 |
| Wyoming | $1,420 | $2,000 | $2,100 |
| Georgia | $2,010 | $3,020 | $3,010 |
Compare Toyota Mirai To Other Toyota Models
Looking for other Toyota model insurance costs?
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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