Toyota GR86 Insurance Rates
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Michelle Robbins
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Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota GR86 are $1,392 a year for full coverage. Comprehensive costs around $368 each year, collision costs $640, and liability costs $274. A policy with only liability insurance costs as little as $322 a year, with a high-risk policy costing around $2,996. Teenage drivers pay the most at $4,848 a year or more.
Average premium for full coverage: $1,392
Premium estimates for type of coverage:
Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and GR86 models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota GR86 go from as low as $322 for minimum levels of liability insurance to a high rate of $2,996 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These rate differences show why all drivers should compare rates for a specific zip code and risk profile, 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.
Additional Rate Details
The chart below shows estimated Toyota GR86 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $779
- Drivers who choose higher $1,000 deductibles will pay about $230 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,392
- Using low deductibles for comprehensive and collision insurance will increase the cost to $1,836
- Drivers who are prone to accidents and violations could pay at least $2,996 or more
- An auto insurance policy for full coverage for a 16-year-old driver can be $4,848 a year
Car insurance prices for a Toyota GR86 also have a wide range based on your driving characteristics, the trim level of your GR86, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $4,800 a year. View Rates by Age
Where you choose to live makes a big difference in Toyota GR86 insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,990 on average in Michigan, Louisiana, 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% |
Using high physical damage deductibles could save up to $680 annually, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $246 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost from 45% to 129% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to know your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.
| 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 Find Affordable Toyota GR86 Insurance
Finding better rates on insurance for a Toyota GR86 not only requires having a good driving record, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The next list is a brief review of the coverage data covered in the above illustrations.
- Drivers can save up to $180 per year simply by quoting online in advance
- Increasing policy deductibles can save around $675 each year
- Drivers age 20 and younger are the costliest to insure, as much as $404 per month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,600 more every year to buy Toyota GR86 insurance
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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