Toyota GR86 Insurance Rates

U.S. average insurance rates for a Toyota GR86 are $1,392 a year for full coverage. Comprehensive insurance costs on average $368 a year, collision insurance costs $640, and liability coverage costs $274. Liability-only coverage costs as little as $322 a year, and high-risk coverage costs $2,996 or more. Teens pay the highest rates at up to $4,848 a year.

Average premium for full coverage: $1,392

Price estimates by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and GR86 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.

The ranges above show why it is important to compare rates based on a specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Toyota GR86 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $779
• Drivers who choose higher $1,000 deductibles will pay around $1,162 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,392
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $444 each year
• High-risk insureds with serious driving violations could pay upwards of $2,996
• The price that insures a teenage driver may cost $4,848 a year

View Chart as Image

Auto insurance prices for a Toyota GR86 are also quite variable based on the trim level of your GR86, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 45% to 129% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,800 a year. View Rates by Age

The state you live in makes a big difference in Toyota GR86 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,990 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $680 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $246 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Toyota GR86 Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare rates every couple of years by quoting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a brief recap of the material that was illustrated above.

• Consumers who require more liability coverage will pay approximately $300 each year to go from a low limit to the 250/500 level
• Teen drivers are charged the highest prices, with premiums as much as $404 a month if the policy includes full coverage
• Drivers who tend to receive serious violations may pay on average $1,600 more each year to insure their GR86
• Increasing physical damage deductibles can save approximately $675 each year