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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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The average cost of car insurance for a 2021 Toyota Mirai is $234.39 a month —or $2,812.68 a year. However, your actual costs depend on your driving history, car model, location and other factors.

We pulled Toyota Mirai car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 Toyota Mirai is $234.39. However, an older model may score you lower rates.

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 don’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

Your rates may be different based on details such as your zip, location, job type, annual mileage and more.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
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
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
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.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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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.

  • Anti-lock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Anti theft 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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