Toyota GR86 Insurance Rates

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View 2022 Toyota GR86 Car Insurance Quotes in 2025

Nobody that owns a car looks forward to paying for insurance, especially knowing they are paying too much. Multiple car insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best rate If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. Finding the best rates is e...

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Toyota GR86 are $1,412 annually for full coverage insurance. Comprehensive insurance costs approximately $382, collision costs $656, and liability is estimated at $264. Liability-only insurance costs approximately $312 a year, with high-risk driver insurance costing $3,030 or more. Teens pay the most at $4,876 a year or more.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Comprehensive $382
Collision $656
Liability $264

Includes $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 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 as cheap as $312 for the bare minimum liability coverage to a much higher rate of $3,030 for a policy for a high-risk driver.

Liability Only $312
Full Coverage $1,412
High Risk $3,030

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,059
Small Cities $1,483
Large Cities $1,906

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

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.

Additional Rate Information

The chart below illustrates estimated Toyota GR86 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $790
  • Choosing higher $1,000 deductibles can save $236 each year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,412
  • Selecting more expensive low deductibles for comp and collision coverage costs an additional $456 annually
  • Higher-risk drivers with serious driving violations could pay around $3,030 or more
  • An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $4,876 each year

View Chart as Image

Toyota GR86 insurance cost comparison chart
Column chart showing full coverage Toyota GR86 insurance prices range from $790 to $4,876

Insurance prices for a Toyota GR86 also have a wide range based on the model of your GR86, your risk profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance ranges from 45% to 127% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $700 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $237 more each year. View Rates by Deductible or Liability Limit

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 $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, New York, and Michigan.

Toyota GR86 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,276 -$136 -9.6%
Alaska $1,080 -$332 -23.5%
Arizona $1,170 -$242 -17.1%
Arkansas $1,412 -$0 0.0%
California $1,608 $196 13.9%
Colorado $1,346 -$66 -4.7%
Connecticut $1,448 $36 2.5%
Delaware $1,596 $184 13.0%
Florida $1,762 $350 24.8%
Georgia $1,302 -$110 -7.8%
Hawaii $1,012 -$400 -28.3%
Idaho $954 -$458 -32.4%
Illinois $1,050 -$362 -25.6%
Indiana $1,062 -$350 -24.8%
Iowa $952 -$460 -32.6%
Kansas $1,338 -$74 -5.2%
Kentucky $1,920 $508 36.0%
Louisiana $2,088 $676 47.9%
Maine $868 -$544 -38.5%
Maryland $1,164 -$248 -17.6%
Massachusetts $1,126 -$286 -20.3%
Michigan $2,448 $1,036 73.4%
Minnesota $1,180 -$232 -16.4%
Mississippi $1,692 $280 19.8%
Missouri $1,250 -$162 -11.5%
Montana $1,514 $102 7.2%
Nebraska $1,110 -$302 -21.4%
Nevada $1,692 $280 19.8%
New Hampshire $1,018 -$394 -27.9%
New Jersey $1,574 $162 11.5%
New Mexico $1,248 -$164 -11.6%
New York $1,484 $72 5.1%
North Carolina $812 -$600 -42.5%
North Dakota $1,154 -$258 -18.3%
Ohio $974 -$438 -31.0%
Oklahoma $1,446 $34 2.4%
Oregon $1,294 -$118 -8.4%
Pennsylvania $1,344 -$68 -4.8%
Rhode Island $1,880 $468 33.1%
South Carolina $1,278 -$134 -9.5%
South Dakota $1,190 -$222 -15.7%
Tennessee $1,234 -$178 -12.6%
Texas $1,698 $286 20.3%
Utah $1,044 -$368 -26.1%
Vermont $962 -$450 -31.9%
Virginia $846 -$566 -40.1%
Washington $1,088 -$324 -22.9%
West Virginia $1,296 -$116 -8.2%
Wisconsin $976 -$436 -30.9%
Wyoming $1,254 -$158 -11.2%

View Chart as Image

Toyota GR86 insurance rates by U.S. city

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Each auto insurer calculates prices differently, and prices will be substantially different between companies.

Toyota GR86 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota GR86 $398 $660 $258 $1,426
2023 Toyota GR86 $382 $656 $264 $1,412
2022 Toyota GR86 $368 $640 $274 $1,392

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 Buy the Cheapest Toyota GR86 Insurance

Finding better rates on insurance for a Toyota GR86 takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates every year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a recap of the coverage data covered in the above illustrations.

  • It is possible to save around $180 per year simply by shopping early and online
  • Increasing policy deductibles could save up to $700 each year
  • Teens are the costliest to insure, with premiums being up to $406 per month if they have full coverage
  • Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,620 more per year for GR86 insurance

Rates by Driver Age

Toyota GR86 Insurance Rates by Driver Age
Driver Age Premium
16 $4,876
20 $3,208
30 $1,496
40 $1,412
50 $1,284
60 $1,258

Full coverage, $500 deductibles

Rates by Deductible

Toyota GR86 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,868
$250 $1,656
$500 $1,412
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Toyota GR86 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,412
50/100 $1,465
100/300 $1,531
250/500 $1,702
100 CSL $1,491
300 CSL $1,636
500 CSL $1,742

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota GR86 Insurance Rates for High Risk Drivers
Age Premium
16 $7,030
20 $5,102
30 $3,126
40 $3,030
50 $2,884
60 $2,858

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 $197

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $71
Homeowner $18
5-yr Accident Free $113
5-yr Claim Free $93
Paid in Full/EFT $72
Advance Quote $73
Online Quote $104
Total Discounts $622
Rate after discounts $790

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

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