Toyota GR86 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota GR86 are $1,392 every 12 months with full coverage. Comprehensive insurance costs an estimated $368 a year, collision costs $640, and liability insurance costs $274. A liability-only policy costs as little as $322 a year, with high-risk insurance costing $2,996 or more. Teen drivers pay the most at $4,848 a year or more.
Average premium for full coverage: $1,392
Premium estimates broken down by type of coverage:
Rates are based on $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and GR86 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota GR86 go from the cheapest price of $322 for basic liability insurance to a high of $2,996 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas.
The diagram below illustrates the difference location can make on insurance prices.
These rate differences demonstrate why it is important to compare rates for a targeted area and their own driving history, rather than relying on price 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.
Rate Comparisons
The chart below details estimated Toyota GR86 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $779
- Drivers who choose higher $1,000 deductibles will pay approximately $1,162 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,392
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $444 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,996 or more
- An auto insurance policy to insure a teen driver can cost as much as $4,848 a year
Auto insurance prices for a Toyota GR86 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Choosing high deductibles could save up to $680 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $246 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 129% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Toyota GR86 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or as much as $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% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted prices will be substantially 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 Shop for the Best Cheap Toyota GR86 Insurance
Finding better rates on Toyota GR86 insurance not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Make time to compare rates every year by getting quotes from direct companies, and also from your local independent and exclusive agents.
Below is a quick review of the coverage data touched on in this article.
- You may be able to save approximately $180 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $675 each year
- Teenage drivers are the costliest to insure, possibly costing $404 per month if comprehensive and collision insurance is included
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,600 more annually for auto insurance
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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