Toyota GR86 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota GR86 are $1,392 a year for full coverage insurance. Comprehensive costs an estimated $368 a year, collision insurance costs $640, and liability costs around $274. A liability-only policy costs as low as $322 a year, and high-risk insurance costs around $2,996. 16-year-old drivers pay the most at up to $4,848 a year.
Average premium for full coverage: $1,392
Premium estimates broken down by type of coverage:
Rates are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and GR86 trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota GR86 range from the low end price of $322 for minimum levels of liability insurance to a high of $2,996 for high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.
These rate differences illustrate why it is important to compare prices for a targeted area, instead of making a decision based on rate averages.
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 illustrates average Toyota GR86 insurance rates for other coverage scenarios.
- The best full coverage rate is $779
- Using higher $1,000 deductibles will save approximately $1,162 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,392
- Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,836
- High-risk insureds with multiple tickets or accidents could pay up to $2,996
- An auto insurance policy that insures a 16-year-old driver can cost as much as $4,848 or more
Auto insurance prices for a Toyota GR86 also have a wide range based on the trim level of your GR86, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 45% to 129% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age
Where you choose to live has a huge impact on Toyota GR86 insurance prices. A driver around age 40 might see prices as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,880 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $680 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $246 extra every year. View Rates by Deductible or Liability Limit
| 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 the Best Cheap Toyota GR86 Insurance
Finding better rates on insurance for a Toyota GR86 requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop every couple of years by getting quotes from direct insurance companies, and also from local insurance agencies.
Below you'll find a quick review of the material that was covered above.
- Insureds who want more liability protection will pay around $300 annually to increase from 30/60 bodily injury limits to the 250/500 level
- Youthful drivers are the costliest to insure, with premiums being up to $404 per month if the policy includes full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,600 more annually than a low-risk driver
- Increasing policy deductibles can save approximately $675 each year
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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