We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Toyota Murai is $234.39 a month — or $2,812.68 yearly. However, some older models may cost less to insure than others depending on the safety features your vehicle has and which insurer you choose. And your actual costs depend on your specific details such as driving history, ZIP, age, annual mileage and other factors.
Model Year
Progressive
Geico
State Farm
Farmers
Average
2016 Toyota Mirai
$132.91
$116.06
$242.81
$212.72
$176.13
2021 Toyota Mirai
–
$136.64
$322.00
$244.52
$234.39
How we got these rates
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
The Toyota Mirai has been around since 2015. The hydrogen fuel cell car is known for its 300 mile range, quiet ride and zero emissions. In 2016, the Toyota Mirai won the World Green Car of Year award.
How do you recharge a hydrogen car?
Hydrogen fuel cells work a little differently than other electric or hybrid cars, so you won’t be able to recharge your hydrogen car in your garage. Head to a hydrogen recharging station, set up the connector, then check to make sure the hydrogen pump is ready before starting the fill up process. It can take five to ten minutes at the fastest recharging stations or longer depending on how much pressure your model and the station are designed to handle.
Where can you find one of these hydrogen refueling stations? The Alternative Fuels Data Center maps out 36 locations in the US and Canada, mostly in New York, California, and Washington DC.
Toyota Mirai money-saving safety features
You could save money on car insurance for your Toyota Mirai if it comes equipped with these safety features.
Antilock brakes
Stability control
Airbags
Seatbelt pretensioners
Antitheft system
How safe is the Toyota Mirai?
The 2017 Toyota Mirai has not been evaluated by the Insurance Institute for Highway Safety or the National Highway Traffic Safety Administration for safety ratings.
The Toyota Mirai model includes lane departure warning, brake assist and blind spot monitoring.
How does the Toyota Mirai compare to other car models?
From a price standpoint, the Toyota Mirai ranks right in the middle of our list of the 360 priciest car models to insure.
Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.
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