Toyota GR86 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance prices for a Toyota GR86 are $1,392 every 12 months including full coverage. Comprehensive insurance costs around $368, collision insurance costs $640, and liability costs around $274. Buying just liability costs as low as $322 a year, and insurance for high-risk drivers costs $2,996 or more. Teen drivers receive the highest rates at up to $4,848 a year.
Average premium for full coverage: $1,392
Rate estimates for individual coverage type:
Includes $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different GR86 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $322 for your basic liability-only policy to a much higher rate of $2,996 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of using 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.
More Rate Information
The chart below breaks down average Toyota GR86 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $779
- Using higher $1,000 deductibles will save about $230 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,392
- Choosing more expensive low deductibles for physical damage coverage costs an extra $444 every year
- Drivers with multiple violations and an at-fault accident could pay at least $2,996
- The cost to insure a teen driver with full coverage can be $4,848 or more
Auto insurance rates for a Toyota GR86 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Choosing high deductibles could cut rates by as much as $680 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $246 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 45% to 129% more than average. View High Risk Driver Rates
Where you live has a huge impact on Toyota GR86 insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,990 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Cheapest Toyota GR86 Insurance
Saving money on car insurance requires having a good driving record, having a good credit score, not filing small claims, and possibly raising deductibles. Set aside time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a recap of the data raised in the charts and tables above.
- Policyholders who may need increased levels of liability coverage will pay about $300 per year to increase from a minimum limit to a 250/500 level
- You may be able to save up to $180 per year just by shopping early and online
- Increasing deductibles could save as much as $675 each year
- Drivers age 20 and younger are expensive to insure, as much as $404 per month if comprehensive and collision insurance is included
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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