Toyota Mirai Car Insurance Cost 2025
On average, insuring a Toyota Mirai costs around $2,897 per year. However, your actual rate may vary depending on factors like your age, the vehicle’s model year, and other personal details. Check the quote tables below to get a more personalized estimate.
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The Toyota Mirai, a cutting-edge hydrogen fuel cell vehicle, comes with a higher-than-average insurance cost due to its advanced technology and limited repair infrastructure. On average, insuring a 2025 Toyota Mirai with full coverage costs around $2,897 annually, or about $241 per month.
This figure is notably higher than the national average for sedans, reflecting the Mirai’s unique engineering and specialized components.
Insurance rates for this model may also be influenced by its relatively low production volume and the higher cost of replacement parts. However, drivers can reduce premiums by comparing quotes, maintaining clean driving records, and utilizing applicable discounts.
How Much Does Toyota Mirai Car Insurance Cost?
Toyota Mirai drivers generally pay an average of $2,897 per year for car insurance.
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.
Average Insurance Cost Of Toyota Mirai By Model Year
| Model Year | Average Premium |
| 2025 Toyota Mirai | $1,808 |
| 2024 Toyota Mirai | $3,043 |
| 2023 Toyota Mirai | $2,986 |
| 2022 Toyota Mirai | $2,341 |
| 2021 Toyota Mirai | $2,431 |
| 2020 Toyota Mirai | $2,101 |
| 2019 Toyota Mirai | $2,406 |
| 2018 Toyota Mirai | $1,239 |
| 2017 Toyota Mirai | $2,098 |
| 2016 Toyota Mirai | $2,317 |
2025 Toyota Mirai Insurance Rates
The average annual insurance cost for a 2025 Toyota Mirai is $1,808. However, GEICO offers the cheapest rates, averaging $1,451 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $2,363 |
| Esurance | $2,163 |
| USAA* | $2,135 |
| Progressive | $1,835 |
| Erie Insurance | $1,820 |
| GEICO | $1,451 |
| Nationwide | $1,462 |
| American Family | $1,567 |
| 21st Century | $1,488 |
| Plymouth Rock Assurance | $1,797 |
2024 Toyota Mirai Insurance Rates
The average annual insurance cost for a 2024 Toyota Mirai is $3,043. However, Esurance offers the cheapest rates, averaging $1,700 per year.
| 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
The average annual insurance cost for a 2023 Toyota Mirai is $2,986. However, Esurance offers the cheapest rates, averaging $1,632 per year.
| 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
The average annual insurance cost for a 2022 Toyota Mirai is $2,341. However, Mercury offers the cheapest rates, averaging $1,705 per year.
| 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
The average annual insurance cost for a 2021 Toyota Mirai is $2,431. However, Mercury offers the cheapest rates, averaging $1,817 per year.
| 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
The average annual insurance cost for a 2020 Toyota Mirai is $2,101. However, Esurance offers the cheapest rates, averaging $1,549 per year.
| 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 |
Find Affordable Toyota Mirai Insurance Rates
2019 Toyota Mirai Insurance Rates
The average annual insurance cost for a 2019 Toyota Mirai is $2,406. However, Esurance offers the cheapest rates, averaging $1,801 per year.
| 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
The average annual insurance cost for a 2018 Toyota Mirai is $1,239. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $547 per year.
| 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
The average annual insurance cost for a 2017 Toyota Mirai is $2,098. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $1,572 per year.
| 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
The average annual insurance cost for a 2016 Toyota Mirai is $2,317. However, New Jersey Manufacturers offers the cheapest rates, averaging $1,725 per year.
| 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 Insurance Rates
Are Toyota Mirais Expensive To Insure?
Insuring a Toyota Mirai tends to be more expensive than insuring a conventional gasoline-powered sedan. This is primarily due to its advanced hydrogen fuel cell technology, which can lead to higher repair and replacement costs. Additionally, the limited availability of specialized repair facilities and parts contributes to increased insurance premiums. On average, full coverage for a Toyota Mirai costs around $2,897 per year, or approximately $241 per month, which is higher than the national average for popular sedan models . However, actual insurance rates can vary based on factors such as the driver’s age, location, driving history, and credit score. To potentially lower premiums, drivers should consider shopping around for quotes, maintaining a clean driving record, and exploring available discounts.
Cost of Toyota Mirai Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums, as they’re statistically more likely to be involved in accidents. As drivers get older and gain experience, their risk level decreases—leading to lower insurance costs.
| 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
Your location plays a major role in how insurance companies determine your rates. Since each state has its own insurance regulations, premiums can vary—for instance, Michigan drivers often pay more due to the state’s higher coverage requirements. Climate also matters, as areas prone to extreme weather like hurricanes, floods, or storms may face higher rates.
Additionally, local statistics on crime and traffic accidents—such as thefts, collisions, and fatalities—are all factored in when insurers calculate your Toyota Mirai insurance premium.
| 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 |
Cheapest Car Insurance Companies For A Toyota Mirai
Erie Insurance offers an estimated annual premium of $1,820, while Mercury Insurance is at the higher end among the cheapest options, with a premium of $2,363. These estimates assume full coverage for a driver with a clean record and are broken down into monthly costs for easier comparison. Actual premiums will vary depending on individual factors like location, age, credit score, and coverage preferences.
| Insurance Company | Average Monthly |
|---|---|
| Mercury Insurance | $197 |
| Esurance | $180 |
| USAA* | $178 |
| Progressive | $153 |
| Erie Insurance | $152 |
Common Toyota Mirai Insurance Discounts
Discounts are an excellent way to reduce your car insurance premiums. While each provider offers different savings, there are several common discounts you might qualify for:
• Multi-policy – Bundling your auto and home insurance with the same company often results in a lower rate.
• Pay-in-full – Paying your premium annually instead of monthly can earn you a discount.
• Defensive driving – Completing an approved defensive driving course can make you eligible for lower rates.
Additional discounts may also be available based on your profile. It’s a good idea to speak with your insurance agent to discover all the savings you qualify for.
Compare Toyota Mirai To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota Prius C Car Insurance
- Toyota Prius Prime Car Insurance
- Toyota 4Runner Car Insurance
- Toyota Avalon Car Insurance
- Toyota C-HR Car Insurance
- Toyota Camry Car Insurance
- Toyota Corolla Car Insurance
- Toyota Highlander Car Insurance
- Toyota Land Cruiser Car Insurance
- Toyota Prius Car Insurance
- Toyota RAV4 Car Insurance
- Toyota Sequoia Car Insurance
- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
- Toyota Tacoma Car Insurance
- Toyota Tundra Car Insurance
- Toyota Yaris Car Insurance
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Our Methodology
To calculate average car insurance rates, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that your actual rates may vary based on your personal circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Mirai?
Yes, you’ll need to show proof of insurance before you can drive your Toyota Mirai off the dealership lot. The best approach is to purchase a policy ahead of time and inform your insurer about the upcoming purchase, rather than relying on insurance offered by the dealership.
How Can You Get The Cheapest Insurance For Your Toyota Mirai?Yes, you’ll need to show proof of insurance before you can drive your Toyota Mirai off the dealership lot. The best approach is to purchase a policy ahead of time and inform your insurer about the upcoming purchase, rather than relying on insurance offered by the dealership.
The most effective way to find the lowest insurance rates for your Toyota Mirai is to compare quotes from several auto insurance companies. Luckily, Insuranceopedia makes this easy by letting you view and compare offers from multiple providers directly on our website.
