Toyota GR86 Insurance Rates

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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 on average $368, collision costs $640, and liability is estimated at $274. Liability-only coverage costs approximately $322 a year, with high-risk coverage costing $2,996 or more. Teens pay the most at $4,848 a year or more.

Average premium for full coverage: $1,392

Premium estimates by type of coverage:

Comprehensive $368
Collision $640
Liability $274

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different GR86 trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Toyota GR86 go from the cheapest price of $322 for just the minimum liability insurance to a much higher rate of $2,996 for a driver who requires high-risk insurance.

Liability Only $322
Full Coverage $1,392
High Risk $2,996

Insurance Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,044
Small Cities $1,462
Large Cities $1,879

These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using averaged prices.

Use the form below to get customized rates for your location.

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Additional Rate Analysis

The chart below details estimated Toyota GR86 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $779
  • Choosing higher $1,000 deductibles can save around $230 annually
  • The average price for a 40-year-old good driver with $500 deductibles is $1,392
  • Selecting more expensive low deductibles for comp and collision coverage costs an extra $444 every year
  • Unlucky drivers with serious driving violations could pay upwards of $2,996 or more
  • An auto insurance policy to insure a teen driver with full coverage may cost $4,848 each year

View Chart as Image

Toyota GR86 insurance cost comparison chart
Column chart showing full coverage Toyota GR86 insurance prices range from $779 to $4,848

Insurance prices for a Toyota GR86 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your GR86.

Choosing higher comprehensive and collision insurance deductibles can save as much as $680 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $246 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $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 at a minimum $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance ranges as much as 45% to 129% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Toyota GR86 insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,880 on average in Florida, Michigan, and New York.

Toyota GR86 Insurance Rates by State
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%

View Chart as Image

Toyota GR86 insurance rates by U.S. city

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, so the prices will be substantially different.

Toyota GR86 Insurance Rates by Model Year
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 Cheap Toyota GR86 Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having good credit, being claim-free, and bundling your home and auto policies. Take the time to compare rates at every other renewal by quoting rates from direct companies, and also from local exclusive and independent agents.

The list below is a brief summary of the concepts that were covered in the above illustrations.

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,600 more each year for car insurance
  • Teenagers pay the highest prices, possibly costing $404 per month if they have full coverage
  • You may be able to save as much as $180 per year simply by shopping early and online
  • Increasing policy deductibles could save as much as $675 each year
  • You may be able to save as much as $180 per year simply by shopping early and online

Rates by Driver Age

Toyota GR86 Insurance 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

Toyota GR86 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,836
$250 $1,632
$500 $1,392
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Toyota GR86 Insurance Rates with Different Liability Limits
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

Toyota GR86 Insurance 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.

SR-22 Surcharge $195

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
Rate after discounts $779

Discounts are estimated and may not be available from every company or in every state.

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