Toyota GR86 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Toyota GR86 are $1,412 annually for full coverage insurance. Comprehensive insurance costs approximately $382, collision costs $656, and liability is estimated at $264. Liability-only insurance costs approximately $312 a year, with high-risk driver insurance costing $3,030 or more. Teens pay the most at $4,876 a year or more.
Average premium for full coverage: $1,412
Premium estimates by type of coverage:
Includes $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different GR86 trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota GR86 go from as cheap as $312 for the bare minimum liability coverage to a much higher rate of $3,030 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.
The price range example below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.
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 Information
The chart below illustrates estimated Toyota GR86 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $790
- Choosing higher $1,000 deductibles can save $236 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,412
- Selecting more expensive low deductibles for comp and collision coverage costs an additional $456 annually
- Higher-risk drivers with serious driving violations could pay around $3,030 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $4,876 each year
Insurance prices for a Toyota GR86 also have a wide range based on the model of your GR86, your risk profile, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance ranges from 45% to 127% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $700 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $237 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Toyota GR86 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, New York, and Michigan.
| 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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Each auto insurer calculates prices differently, and prices will be substantially different between companies.
| 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 Buy the Cheapest Toyota GR86 Insurance
Finding better rates on insurance for a Toyota GR86 takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates every year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a recap of the coverage data covered in the above illustrations.
- It is possible to save around $180 per year simply by shopping early and online
- Increasing policy deductibles could save up to $700 each year
- Teens are the costliest to insure, with premiums being up to $406 per month if they have full coverage
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,620 more per year for GR86 insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,868 |
| $250 | $1,656 |
| $500 | $1,412 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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