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Toyota Mirai insurance rates

Average 2021 Mirai insurance cost: $235. Cheapest rate? $137. Style costs unless you shop around.

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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 YearProgressiveGeicoState FarmFarmersAverage
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:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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About the Toyota Mirai

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.

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