Toyota GR86 Insurance Rates
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Michelle Robbins
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Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average auto insurance rates for a Toyota GR86 are $1,412 annually for full coverage. Comprehensive insurance costs around $382 each year, collision costs $656, and liability costs $264. A liability-only policy costs as little as $312 a year, with high-risk insurance costing $3,030 or more. Teenage drivers receive the highest rates at $4,876 a year or more.
Average premium for full coverage: $1,412
Rate estimates for individual coverage type:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and GR86 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $312 for liability-only coverage to a high rate of $3,030 for a driver who requires high-risk insurance.
Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples show why all drivers should compare rates for a specific zip code 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.
Additional Charts and Tables
The chart below shows estimated Toyota GR86 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $790
- Drivers who choose higher $1,000 deductibles will pay about $236 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,412
- Using low deductibles for comprehensive and collision insurance costs an additional $456 every year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,030 or more
- The cost with full coverage for a teen driver can be $4,876 a year
Insurance rates for a Toyota GR86 can also vary considerably based on the trim level of your GR86, your driver profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $700 every year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $237 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Toyota GR86 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.
| 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 only way to know your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, so the 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 Cheapest Toyota GR86 Insurance
Saving money on car insurance not only requires being a good driver, but also having a good credit history, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to shop around at every other renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a recap of the concepts that were raised in the charts and tables above.
- Higher risk drivers that have major violations or accidents pay an average of $1,620 more every year than a safer driver
- Drivers age 16 to 20 pay higher rates, costing as high as $406 per month including comprehensive and collision insurance
- Drivers can save up to $180 per year simply by quoting online in advance
- Increasing deductibles could save up to $700 each year
- Drivers can save up to $180 per year simply by quoting online in advance
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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