Toyota GR86 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Toyota GR86 are $1,392 a year with full coverage. Comprehensive costs approximately $368, collision costs $640, and liability coverage costs around $274. Liability-only insurance costs as low as $322 a year, with high-risk driver insurance costing around $2,996. Teens pay the most at $4,848 a year or more.

Average premium for full coverage: $1,392

Premium estimates by type of coverage:

Comprehensive $368
Collision $640
Liability $274

Prices include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. 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 low as $322 for your basic liability-only policy to a much higher rate of $2,996 for a high-risk driver policy.

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

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance prices.

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

These rate differences demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using 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.

More Rate Information

The chart below details estimated Toyota GR86 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $779
  • Using higher $1,000 deductibles will save $230 annually
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,392
  • Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,836
  • Higher-risk drivers with serious driving violations could pay around $2,996 or more
  • An auto insurance policy for full coverage for a teenage driver with full coverage can cost $4,848 or more

View Chart as Image

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

Insurance prices for a Toyota GR86 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota GR86 insurance rates. A driver around age 40 might see prices as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,880 on average in New York, Michigan, and Florida.

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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $680 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $246 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance can be around 45% to 129% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Each insurance company calculates prices differently, and prices will be substantially different from one company to the next.

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 Find the Right Toyota GR86 Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having a good credit history, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a quick rundown of the information covered in the above illustrations.

  • You may be able to save around $180 per year simply by shopping early and online
  • Teens are the costliest to insure, possibly costing $404 per month including comprehensive and collision insurance
  • Increasing policy deductibles can save around $675 each year
  • Drivers with reckless driving or DUI convictions pay on average $1,600 more per year for GR86 insurance
  • Consumers who purchase higher liability limits will pay approximately $300 every year to increase from 30/60 bodily injury limits to 250/500 limits

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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