2016 Toyota Mirai Car Insurance Calculator

See in real-time how life choices impact the cost of car insurance for a 2016 Toyota Mirai. Adjust rate factors like vehicle trim level, driving violations, and policy coverages to see how insurance cost is affected. Instantly discover whether your selection increases or decreases your premium.

The average estimated car insurance premium for a 2016 Toyota Mirai is $2,036 per year, or about $170 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,036

Cost Per Month

$170

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota Mirai Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Toyota Mirai.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,036
Average Rate
Your Rate
$2,036

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Toyota Mirai trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Toyota Mirai is $2,036.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Toyota Mirai vs. the Small Car Segment

The table below compares insurance rates for the 2016 Toyota Mirai against all other models in the small car segment. The Toyota Mirai is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota Mirai, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota Mirai.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Toyota Mirai Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,254-$782
2Chrysler Fiat 500$1,360-$676
3Honda Fit$1,386-$650
4Toyota Yaris$1,394-$642
5Nissan Versa$1,396-$640
6Ford Fiesta$1,408-$628
7Subaru Impreza$1,472-$564
8Scion IM$1,488-$548
9Chevrolet Spark$1,500-$536
10Hyundai Accent$1,504-$532
11Volkswagen Golf$1,518-$518
12Mazda 3$1,538-$498
13Scion IA$1,540-$496
14Honda CR-Z$1,576-$460
15Honda Civic$1,586-$450
16Nissan Sentra$1,590-$446
17Kia Rio$1,612-$424
18Toyota Corolla$1,628-$408
2016 Small Car Average$1,636-$400
19Nissan Leaf$1,642-$394
20Toyota Prius$1,644-$392
21Hyundai Veloster$1,650-$386
22Chevrolet Sonic$1,668-$368
23Volkswagen Beetle$1,694-$342
24Volkswagen GTI$1,706-$330
25Chevrolet Volt$1,708-$328
26Chevrolet Cruze$1,712-$324
27Volkswagen EOS$1,716-$320
28Kia Forte$1,724-$312
29Ford Focus$1,744-$292
30Hyundai Elantra$1,760-$276
31Scion FR-S$1,778-$258
32Mitsubishi Lancer$1,838-$198
33Volkswagen E-Golf$1,852-$184
34Volkswagen Jetta$1,924-$112
35Dodge Dart$1,968-$68
36Scion TC$2,022-$14
37Toyota Mirai$2,036--

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Mirai Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Toyota Mirai.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Toyota Mirai Insurance Rates by Trim Level
2016 Toyota Mirai Trim Level Annual Premium Cost Per Month
Sedan$2,036$170

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Toyota Mirai for different driver ages.

2016 Toyota Mirai Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,259$605
17$7,008$584
18$6,237$520
19$5,701$475
20$4,361$363
21$4,162$347
22$3,724$310
23$3,082$257
24$2,907$242
25$2,362$197
30$2,164$180
35$2,094$175
40$2,036$170
45$1,910$159
50$1,810$151
55$1,688$141
60$1,690$141
65$1,800$150
70$1,954$163
75$2,302$192
80$2,830$236

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota Mirai trim levels.