Toyota GR86 Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Toyota GR86 are $1,392 annually with full coverage. Comprehensive costs around $368, collision insurance costs $640, and liability coverage is estimated at $274. A policy with just liability insurance costs approximately $322 a year, and coverage for high-risk drivers costs around $2,996. Teenage drivers pay the highest rates at up to $4,848 a year.
Average premium for full coverage: $1,392
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all GR86 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota GR86 insurance prices range from as cheap as $322 for a discount liability-only rate to the much higher price of $2,996 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above demonstrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using 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.
Rates by State, City, and Model
The chart below details average Toyota GR86 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $779
- Choosing higher $1,000 deductibles can save about $230 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,392
- Using pricier low deductibles for comp and collision coverage will cost $1,836
- Drivers who are prone to accidents and violations could pay at least $2,996
- The price with full coverage for a teenage driver for full coverage can be $4,848 each year
Insurance prices for a Toyota GR86 are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra each year, depending on your age. Toyota GR86 insurance for high-risk drivers ranges around 45% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $680 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $246 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Toyota GR86 insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,880 on average in Florida, Michigan, and New York.
| 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 Buy the Best Cheap Toyota GR86 Insurance
Getting lower rates on auto insurance takes being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a quick review of the concepts that were raised in the charts and tables above.
- Drivers with a DUI or reckless driving violation may pay on average $1,600 more every year than a low-risk driver
- Youthful drivers pay higher prices, costing up to $404 a month including comprehensive and collision insurance
- You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $675 each year
- You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
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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