How much does Toyota Mirai car insurance cost?
On average, Toyota Mirai drivers spend $91 each month on state minimum car insurance and $276 per month for full coverage.
However, there is no real “average” cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Toyota Mirai insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes
Compare the cheapest Toyota Mirai car insurance quotes
This may feel complicated, but it doesn’t have to be. Jerry is a car insurance price comparison tool that helps you to easily compare quotes, saving you time and money.
Check out the table below to see real, free quotes that real people have gotten from Jerry.
|
Date
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| November 12, 2024 | Toyota Mirai | Aspire Advantage | $76 | Blake, 65, Stanton, CA | State Minimum | No |
| November 6, 2024 | Toyota Mirai | Bristol West | $104 | Jack, 38, Pittsburg, CA | State Minimum | No |
| November 6, 2024 | Toyota Mirai | Aspire Advantage | $244 | Eleanor, 23, San Jose, CA | State Minimum | Yes |
| November 1, 2024 | Toyota Mirai | Bristol West | $120 | Evan, 59, Calabasas, CA | State Minimum | No |
| October 30, 2024 | Toyota Mirai | Bristol West | $232 | Addie, 69, San Diego, CA | 50/100 | Yes |
However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Toyota Mirai, you’ll need to get car insurance quotes from at least three insurance companies.
The best car insurance companies for Toyota Mirai owners
There’s no single best insurance company for all Toyota Mirai owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to calculate your premiums. But that doesn’t mean we can’t find the best insurance company for you.
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
| Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
- How’d we get these scores?Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How much car insurance do you need for a Toyota Mirai?
The average cost of Toyota Mirai insurance is $276 per month for full coverage and $91 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.
| Car | Average Full Coverage Insurance Cost | Average State Minimum Insurance Cost |
|---|---|---|
| Toyota Mirai | $276 | $91 |
- Minimum coverage insurance is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.
- Full coverage insurance provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.
While knowing auto insurance averages can be useful, getting personalized quotes is the best way to shop for insurance. Jerry makes quote shopping easy, finding you the best coverage at the best rate.
Why are some trims more expensive to insure than others?
Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.
Check out the table below to see the average cost of auto insurance for some popular Toyota Mirai trims.
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| Mirai Toyota | $88 | $262 |
| Mirai Toyota LE | $113 | $398 |
| Mirai Toyota XLE | $79 | $208 |
Toyota Mirai insurance cost by model year
The more recently your Toyota Mirai was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Toyota Mirais provided by Jerry to better understand how your driver profile might affect your cost.
2023 Toyota Mirai car insurance quotes
Unfortunately, newer cars can also come with higher car insurance rates. Here’s what Jerry drivers pay to insure their 2023 Toyota Mirai:
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Mirai 2023 | Bristol West | $653 | Mittie, 23, San Rafael, CA | State Minimum | Yes |
| Mirai 2023 | National General | $547 | Allen, 19, Glendale, CA | State Minimum | No |
| Mirai 2023 | National General | $77 | John, 51, Orange, CA | State Minimum | No |
| Mirai 2023 | Bristol West | $92 | Owen, 49, Foster City, CA | State Minimum | No |
| Mirai 2023 | Bristol West | $174 | Louis, 23, Placentia, CA | State Minimum | No |
2022 Toyota Mirai car insurance quotes
It’s important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Toyota Mirai drivers below:
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Mirai 2022 | Gainsco | $127 | Rena, 46, Litchfield Park, AZ | State Minimum | No |
| Mirai 2022 | Aspire Advantage | $181 | James, 45, Los Angeles, CA | State Minimum | No |
| Mirai 2022 | Aspire Advantage | $113 | Derrick, 29, Canyon Country, CA | State Minimum | No |
| Mirai 2022 | Bristol West | $1,470 | Frederick, 29, Los Angeles, CA | 100/300 | Yes |
| Mirai 2022 | Safeco | $398 | Chad, 48, Westminster, CA | 100/300 | Yes |
2021 Toyota Mirai car insurance quotes
Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Toyota Mirai:
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Mirai 2021 | Bristol West | $283 | Sam, 29, Riverside, CA | State Minimum | Yes |
| Mirai 2021 | Aspire Advantage | $55 | Virginia, 31, Milpitas, CA | State Minimum | No |
| Mirai 2021 | Aspire Advantage | $57 | Dora, 37, San Ramon, CA | State Minimum | No |
| Mirai 2021 | Aspire Advantage | $101 | Charlotte, 29, Costa Mesa, CA | State Minimum | No |
| Mirai 2021 | Bristol West | $225 | Melvin, 45, Irvine, CA | 100/300 | Yes |
If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Toyota Mirai with our real quote examples below:
2019 Toyota Mirai car insurance quotes
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Mirai 2019 | Bristol West | $120 | Evan, 59, Calabasas, CA | State Minimum | No |
| Mirai 2019 | Bristol West | $91 | Mayme, 50, Cypress, CA | State Minimum | No |
| Mirai 2019 | Aspire Advantage | $212 | Julian, 48, Alviso, CA | State Minimum | Yes |
| Mirai 2019 | Bristol West | $416 | Jordan, 24, Baldwin Park, CA | State Minimum | Yes |
| Mirai 2019 | Aspire Advantage | $197 | Isabelle, 32, Colton, CA | State Minimum | Yes |
2018 Toyota Mirai car insurance quotes
Mirai 2018 Aspire Advantage $210 Sallie, 32, Corona, CA State Minimum Yes Mirai 2018 Dairyland $802 Mabel, 26, Glendora, CA State Minimum No Mirai 2018 Aspire Advantage $147 Josephine, 26, Tujunga, CA State Minimum No Mirai 2018 Aspire Advantage $109 Joseph, 54, San Dimas, CA State Minimum No Mirai 2018 Aspire Advantage $393 Mamie, 26, Avocado Heights, CA State Minimum No Last Updated Nov 29, 20242017 Toyota Mirai car insurance quotes
Mirai 2017 Aspire Advantage $244 Eleanor, 23, San Jose, CA State Minimum Yes Mirai 2017 Bristol West $232 Addie, 69, San Diego, CA 50/100 Yes Mirai 2017 Aspire Advantage $87 Sean, 22, Orange, CA State Minimum No Mirai 2017 Aspire Advantage $219 Evelyn, 33, Fontana, CA State Minimum Yes Mirai 2017 Bristol West $672 Francis, 22, Pasadena, CA State Minimum Yes Last Updated Nov 29, 20242016 Toyota Mirai car insurance quotes
Mirai 2016 Aspire Advantage $76 Blake, 65, Stanton, CA State Minimum No Mirai 2016 Aspire Advantage $290 Georgia, 24, San Jose, CA State Minimum Yes Mirai 2016 Aspire Advantage $143 Elsie, 33, Los Angeles, CA State Minimum No Mirai 2016 Aspire Advantage $62 Nelle, 33, Riverside, CA State Minimum No Mirai 2016 Dairyland $321 Nicholas, 47, Pomona, CA State Minimum Yes Last Updated Nov 29, 2024Are Toyota Mirais expensive to insure?
The average Toyota Mirai insurance rate is $91 per month.
Car Monthly minimum coverage cost Monthly full coverage cost Toyota Mirai $91 $276 Mini Cooper $90 $166 Jeep Commander $89 $160 Buick Lucerne $87 $133 Ford Econoline $86 $133 Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.
What other factors affect Toyota Mirai insurance rates?
There are a variety of ways to lower insurance costs for your vehicle.
- Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
- Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
- Reduce your coverage: If you have any older cars, you can reduce coverage on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
- Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
- Bundle your insurance policies: Bundling your homeowners and auto insurance with the same company can amount to a lower overall bill.
MEET OUR EXPERTS
R.E. Fulton
Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina ZhangLina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
Josh DamicoAs Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
