Toyota GR86 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota GR86 are $1,392 every 12 months for full coverage insurance. Comprehensive costs on average $368, collision insurance costs $640, and liability is $274. Liability-only insurance costs around $322 a year, and high-risk driver insurance costs around $2,996. Teenage drivers pay the most at up to $4,848 a year.
Average premium for full coverage: $1,392
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all GR86 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota GR86 range from the cheapest price of $322 for minimum levels of liability insurance to the much higher price of $2,996 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities. The example below illustrates how your location can change car insurance rates.
These rate differences illustrate why everyone should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on 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 Rate Details
The chart below illustrates average Toyota GR86 insurance rates for different risk profiles and scenarios.
- The best discount rate is $779
- Raising to $1,000 deductibles will save around $230 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,392
- Using pricier low deductibles increases the price to $1,836
- Drivers who are prone to accidents and violations could pay upwards of $2,996
- An auto insurance policy to insure a 16-year-old driver for full coverage may cost $4,848
Insurance prices for a Toyota GR86 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your GR86.
Using high physical damage deductibles can reduce prices by up to $680 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $246 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 additional annually, depending on your age. Toyota GR86 insurance for high-risk drivers is expensive and can cost from 45% to 129% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Toyota GR86 insurance prices. A middle-age driver might find prices as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,880 on average in Michigan, New York, and Florida.
| 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% |
| 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 Shop for More Affordable Toyota GR86 Insurance
Finding better rates on insurance for a Toyota GR86 consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around at every other renewal by getting quotes from direct insurance companies, and also from several local insurance agents.
Below you'll find a summary of the concepts that were illustrated above.
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,600 more each year than a low-risk driver
- Youthful drivers pay higher prices, with premiums being up to $404 per month if full coverage is included
- It is possible to save as much as $180 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $675 each year
- It is possible to save as much as $180 per year just by quoting online well ahead of the renewal date
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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