Toyota GR86 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Toyota GR86 are $1,392 a year with full coverage. Comprehensive costs an estimated $368 each year, collision costs $640, and liability insurance is $274. Buying just liability costs around $322 a year, with insurance for high-risk drivers costing around $2,996. 16-year-old drivers pay the highest rates at $4,848 a year or more.
Average premium for full coverage: $1,392
Price estimates broken down by individual coverage:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and GR86 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota GR86 insurance prices go from the low end price of $322 for just liability coverage to a high rate of $2,996 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than congested cities.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above demonstrate why all drivers should compare rates quotes for a targeted area, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below details estimated Toyota GR86 insurance rates for other coverage scenarios.
- The best full coverage rate is $779
- Raising to $1,000 deductibles will save approximately $230 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $1,392
- Buying low deductibles bumps up the cost to $1,836
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,996 or more
- The price that insures a teen driver can cost as much as $4,848
Insurance prices for a Toyota GR86 are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 129% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age
The state you live in also has a big influence on Toyota GR86 insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,880 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,260 | -$132 | -9.5% |
| Alaska | $1,066 | -$326 | -23.4% |
| Arizona | $1,156 | -$236 | -17.0% |
| Arkansas | $1,392 | -$0 | 0.0% |
| California | $1,586 | $194 | 13.9% |
| Colorado | $1,328 | -$64 | -4.6% |
| Connecticut | $1,432 | $40 | 2.9% |
| Delaware | $1,576 | $184 | 13.2% |
| Florida | $1,742 | $350 | 25.1% |
| Georgia | $1,286 | -$106 | -7.6% |
| Hawaii | $1,002 | -$390 | -28.0% |
| Idaho | $944 | -$448 | -32.2% |
| Illinois | $1,036 | -$356 | -25.6% |
| Indiana | $1,050 | -$342 | -24.6% |
| Iowa | $942 | -$450 | -32.3% |
| Kansas | $1,322 | -$70 | -5.0% |
| Kentucky | $1,898 | $506 | 36.4% |
| Louisiana | $2,060 | $668 | 48.0% |
| Maine | $858 | -$534 | -38.4% |
| Maryland | $1,148 | -$244 | -17.5% |
| Massachusetts | $1,112 | -$280 | -20.1% |
| Michigan | $2,418 | $1,026 | 73.7% |
| Minnesota | $1,166 | -$226 | -16.2% |
| Mississippi | $1,668 | $276 | 19.8% |
| Missouri | $1,236 | -$156 | -11.2% |
| Montana | $1,498 | $106 | 7.6% |
| Nebraska | $1,096 | -$296 | -21.3% |
| Nevada | $1,670 | $278 | 20.0% |
| New Hampshire | $1,004 | -$388 | -27.9% |
| New Jersey | $1,554 | $162 | 11.6% |
| New Mexico | $1,232 | -$160 | -11.5% |
| New York | $1,468 | $76 | 5.5% |
| North Carolina | $800 | -$592 | -42.5% |
| North Dakota | $1,140 | -$252 | -18.1% |
| Ohio | $962 | -$430 | -30.9% |
| Oklahoma | $1,428 | $36 | 2.6% |
| Oregon | $1,278 | -$114 | -8.2% |
| Pennsylvania | $1,328 | -$64 | -4.6% |
| Rhode Island | $1,856 | $464 | 33.3% |
| South Carolina | $1,262 | -$130 | -9.3% |
| South Dakota | $1,176 | -$216 | -15.5% |
| Tennessee | $1,218 | -$174 | -12.5% |
| Texas | $1,676 | $284 | 20.4% |
| Utah | $1,032 | -$360 | -25.9% |
| Vermont | $952 | -$440 | -31.6% |
| Virginia | $836 | -$556 | -39.9% |
| Washington | $1,074 | -$318 | -22.8% |
| West Virginia | $1,278 | -$114 | -8.2% |
| Wisconsin | $964 | -$428 | -30.7% |
| Wyoming | $1,238 | -$154 | -11.1% |
Opting for high physical damage deductibles can reduce prices by up to $680 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $246 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota GR86 | $382 | $656 | $264 | $1,412 |
| 2023 Toyota GR86 | $368 | $640 | $274 | $1,392 |
| 2022 Toyota GR86 | $356 | $612 | $284 | $1,362 |
Rates are averaged for all Toyota GR86 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Toyota GR86 Insurance
Getting lower rates on Toyota GR86 insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every other policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.
The list below is a review of the ideas that were raised in the charts and tables above.
- Teenagers are expensive to insure, costing up to $404 a month if comprehensive and collision insurance is included
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,600 more annually for car insurance
- Increasing physical damage deductibles can save approximately $675 each year
- You may be able to save approximately $180 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,848 |
| 20 | $3,174 |
| 30 | $1,476 |
| 40 | $1,392 |
| 50 | $1,266 |
| 60 | $1,242 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,836 |
| $250 | $1,632 |
| $500 | $1,392 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,392 |
| 50/100 | $1,447 |
| 100/300 | $1,515 |
| 250/500 | $1,693 |
| 100 CSL | $1,474 |
| 300 CSL | $1,625 |
| 500 CSL | $1,735 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,988 |
| 20 | $5,050 |
| 30 | $3,086 |
| 40 | $2,996 |
| 50 | $2,854 |
| 60 | $2,828 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $70 |
| Homeowner | $18 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $70 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $613 |
Discounts are estimated and may not be available from every company or in every state.
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