Toyota GR86 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Toyota GR86 are $1,412 annually including full coverage. Comprehensive costs on average $382, collision costs $656, and liability is $264. Buying just liability costs around $312 a year, with insurance for high-risk drivers costing around $3,030. Teenage drivers receive the highest rates at $4,876 a year or more.
Average premium for full coverage: $1,412
Rate estimates by individual coverage type:
Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different GR86 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $312 for just liability coverage to a much higher rate of $3,030 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates how where you live affects car insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of 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.
Detailed Rate Analysis
The chart below breaks down estimated Toyota GR86 insurance rates for different risk profiles and scenarios.
- The best discount rate is $790
- Raising to $1,000 deductibles will save around $236 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,412
- Using more expensive low deductibles will cost $1,868
- At-risk drivers who are prone to accidents and violations could pay upwards of $3,030 or more
- The cost with full coverage for a teen driver with full coverage may cost $4,876
Auto insurance rates for a Toyota GR86 can also vary considerably based on the trim level of your GR86, your driving characteristics, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $700 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $237 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Toyota GR86 insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.
| 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 so much variability in rates, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly 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 Best Cheap Toyota GR86 Insurance
Saving money on car insurance consists of having a good driving record, having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a quick review of the data that was touched on in the above illustrations.
- You may be able to save as much as $180 per year simply by shopping early and online
- Policyholders who require increased levels of liability coverage will pay an extra $290 per year to raise from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger are charged the highest rates, as much as $406 per month if full coverage is included
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,620 more each year to buy Toyota 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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