Toyota GR86 Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a Toyota GR86 are $1,392 every 12 months including full coverage. Comprehensive costs an estimated $368 each year, collision insurance costs $640, and liability costs around $274. Buying just liability costs as low as $322 a year, and insurance for high-risk drivers costs around $2,996. Teenage drivers cost the most to insure at up to $4,848 a year.

Average premium for full coverage: $1,392

Policy rates broken down by type of insurance:

Comprehensive $368
Collision $640
Liability $274

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and GR86 models.

Price Range Variability

Using a middle-aged driver as an example, Toyota GR86 insurance rates range from the cheapest price of $322 for just liability insurance to a high rate of $2,996 for a driver that may need high-risk insurance.

Liability Only $322
Full Coverage $1,392
High Risk $2,996

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects insurance prices.

Rural Areas $1,044
Small Cities $1,462
Large Cities $1,879

The examples above highlight why all drivers should compare prices for a targeted area 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.

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More Rate Details

The chart below breaks down average Toyota GR86 insurance rates for other coverage scenarios.

  • The best discount rate is $779
  • Using higher $1,000 deductibles will save approximately $230 every year
  • The average price for a good driver age 40 who has $500 deductibles is $1,392
  • Using low deductibles for physical damage coverage increases the price to $1,836
  • High-risk insureds who are prone to accidents and violations could pay up to $2,996
  • Policy cost to insure a 16-year-old driver can cost as much as $4,848 or more

View Chart as Image

Toyota GR86 insurance cost comparison chart
Column chart showing Toyota GR86 insurance rates range from $779 to $4,848 for full coverage

Insurance rates for a Toyota GR86 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $680 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $246 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be from 45% to 129% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota GR86 insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,990 on average in Louisiana, New York, and Michigan.

Toyota GR86 Insurance Rates by State
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%

View Chart as Image

Toyota GR86 insurance rates by U.S. city
Toyota GR86 Insurance Rates by Model Year
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 Shop for Low Cost Toyota GR86 Insurance

Finding cheaper rates on insurance for a Toyota GR86 requires having a decent driving record, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following items are a review of the data that was touched on in the above illustrations.

  • You may be able to save approximately $180 per year just by quoting online in advance
  • Insureds who want additional liability coverage will pay an extra $300 per year to increase from a 30/60 limit to a 250/500 level
  • 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $404 each month if they have full coverage
  • Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,600 more annually than a driver with a clean driving record

Rates by Driver Age

Toyota GR86 Insurance 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

Toyota GR86 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,836
$250 $1,632
$500 $1,392
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Toyota GR86 Insurance Rates with Different Liability Limits
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

Toyota GR86 Insurance 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.

SR-22 Surcharge $195

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
Rate after discounts $779

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

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