Toyota GR86 Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance prices for a Toyota GR86 are $1,412 every 12 months with full coverage. Comprehensive costs approximately $382, collision costs $656, and liability costs around $264. Buying just liability costs as low as $312 a year, with insurance for high-risk drivers costing around $3,030. Teenage drivers pay the highest rates at $4,876 a year or more.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Comprehensive $382
Collision $656
Liability $264

Price estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different GR86 trim levels.

Price Range from Low to High

For a driver in their 40's, Toyota GR86 insurance prices go from the cheapest price of $312 for basic liability insurance 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

Geographic Price Range

Where you live can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance prices.

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

The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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 additional coverage and risk scenarios.

  • The best discount rate is $790
  • Using higher $1,000 deductibles will save $236 annually
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,412
  • Using more expensive low deductibles for physical damage coverage increases the price to $1,868
  • High-risk insureds who are prone to accidents and violations could pay around $3,030 or more
  • The price to insure a 16-year-old driver with full coverage can cost $4,876 or more

View Chart as Image

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

Insurance prices for a Toyota GR86 are also quite variable based on deductibles and policy limits, your driving record, and the model of your GR86.

Using high physical damage deductibles could cut prices by as much as $700 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $237 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can be from 45% to 127% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Toyota GR86 insurance prices. A driver around age 40 might see prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,900 on average in New York, Michigan, and Florida.

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

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and prices may be quite different.

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 Shop for Cheaper Toyota GR86 Insurance

Getting lower rates on insurance for a Toyota GR86 requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a condensed summary of the coverage data covered in the charts and tables above.

  • You may be able to save around $180 per year simply by shopping early and online
  • Increasing physical damage deductibles could save as much as $700 each year
  • Teen drivers are the costliest to insure, costing up to $406 a month if full coverage is included
  • Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,620 more per year to insure their GR86

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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