Toyota Mirai Car Insurance Cost for 2023

We compared the average insurance cost for the cheapest XLE model to the Limited trim level to look at how Mirai insurance measures up to similar small cars.

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  • Toyota Mirai insurance rates average $2,190 per year, $1,095 for a 6-month policy, or $183 per month.
  • The cheapest Toyota Mirai insurance is on the Mirai XLE trim level at an average of $2,084 per year, or $174 per month.
  • The model with the most expensive car insurance rates is the Mirai Limited at $2,294 per year, or around $191 per month.
  • The Toyota Mirai is one of the more expensive small cars to insure for the 2023 model year, costing $433 more per year on average as compared to the rest of the vehicles in the segment.

How much does Toyota Mirai car insurance cost?

Average car insurance rates for a 2023 Toyota Mirai cost $2,190 per year on average for a full coverage policy, which equates to around $183 a month.

When priced by coverage type, liability and medical coverage costs an estimated $568 a year, comprehensive coverage is an estimated $542, and the remaining collision insurance will cost approximately $1,080.

The chart below illustrates how average Toyota Mirai car insurance rates vary depending on driver age and the chosen policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Toyota Mirai with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Toyota Mirai trim levels.Data last updated on December 30, 2022
Toyota Mirai Car Insurance Rates
2023 Toyota Mirai Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,648$304
$500$4,372$364
$250$5,136$428
30$1,000$1,922$160
$500$2,322$194
$250$2,740$228
40$1,000$1,822$152
$500$2,190$183
$250$2,574$215
50$1,000$1,662$139
$500$1,994$166
$250$2,338$195
60$1,000$1,632$136
$500$1,958$163
$250$2,296$191

What is the cheapest Toyota Mirai insurance?

With Toyota Mirai insurance rates ranging from $2,084 to $2,294 per year for the average driver, the cheapest trim level to insure is the XLE. The Limited costs more to insure than the XLE model, at $2,294 per year.

The rate table below details average car insurance cost for each Toyota Mirai model and trim level.

2023 Toyota Mirai Insurance Cost by Trim Level
Toyota Mirai Trim Level Annual Policy Six-Month Policy Per Month
XLE$2,084$1,042$174
Limited$2,294$1,147$191

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Toyota Mirai, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Toyota Mirai Insurance Cost by Trim Level

Is Toyota Mirai insurance expensive?

The Toyota Mirai ranks 15th out of 15 total comparison vehicles in the small car class. The Mirai costs an average of $2,190 per year to insure for full coverage and the class median rate is $1,757 per year, a difference of $433 per year.

When compared to other popular compact car models, insurance rates for a Toyota Mirai cost $462 more per year than the Honda Civic, $534 more than the Toyota Corolla, $554 more than the Nissan Sentra, and $262 more than the Hyundai Elantra.

The chart below shows how well Toyota Mirai car insurance cost compares to the top 10 most popular compact cars in the U.S. by sales volume. A table is included after the chart that ranks the entire 15 vehicle compact car segment by auto insurance affordability.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Toyota Mirai, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota Mirai trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Toyota Mirai vs Top 10 Small Cars Insurance Cost Comparison
Toyota Mirai Insurance Cost Compared to All Small Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,462-$728
2Volkswagen Jetta$1,610-$580
3Nissan Sentra$1,636-$554
4Toyota Corolla$1,656-$534
5Volkswagen Golf$1,660-$530
6Toyota Prius$1,662-$528
7Mazda 3$1,690-$500
8Honda Civic$1,728-$462
9Kia Forte$1,730-$460
10Mitsubishi Mirage G4$1,738-$452
11Nissan Leaf$1,778-$412
12Nissan Versa$1,882-$308
13Hyundai Elantra$1,928-$262
14Toyota GR Corolla$2,004-$186
15Toyota Mirai$2,190--

How much is insurance on a used Mirai?

Buying insurance for a 2016 Mirai instead of a new 2023 model could save around $512 on a yearly basis. Even insuring a 2019 model could save $318 or more per year depending on the policy deductibles and limits.

The following data table shows typical insurance policy costs for a Toyota Mirai for a range of driver ages from 2016 through 2023. Average policy cost ranges from the most affordable rate of $1,558 for a 60-year-old driver rated on a 2017 Toyota Mirai to a high of $4,372 for a 20-year-old driver rated on a 2023 Mirai.

Toyota Mirai Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Toyota Mirai$4,372$2,190$1,958
2022 Toyota Mirai$4,266$2,134$1,906
2021 Toyota Mirai$3,958$1,980$1,774
2020 Toyota Mirai$3,852$1,926$1,724
2019 Toyota Mirai$3,742$1,872$1,678
2017 Toyota Mirai$3,472$1,736$1,558
2016 Toyota Mirai$3,338$1,678$1,500

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Toyota Mirai Insurance Cost by Model Year