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 with full coverage. Comprehensive insurance costs on average $368, collision costs $640, and liability is $274. Liability-only coverage costs around $322 a year, with high-risk coverage costing $2,996 or more. 16-year-old drivers pay the most at $4,848 a year or more.
Average premium for full coverage: $1,392
Premium estimates by type of coverage:
Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all GR86 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Toyota GR86 go from the low end price of $322 for just liability coverage to the much higher price of $2,996 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities.
The example below illustrates how geographic area affects car insurance rates.
These rate differences demonstrate why everyone should compare rates quotes based on a specific location, 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.
Detailed Rate Analysis
The chart below details estimated Toyota GR86 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $779
- Raising to $1,000 deductibles will save around $230 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,392
- Buying pricier low deductibles will cost an additional $444 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,996 or more
- An auto insurance policy that insures 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 the model of your GR86, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 extra annually, depending on your age. Toyota GR86 insurance for high-risk drivers is expensive and can cost from 45% to 129% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age
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 $1,000 a year in states like New Hampshire, Ohio, and Utah, or at least $1,880 on average in Florida, Michigan, and New York.
| 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 can reduce prices by up to $680 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $246 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.
| 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 Low Cost Toyota GR86 Insurance
Finding better rates on insurance for a Toyota GR86 consists of not taking risks behind the wheel, having above-average credit, being claim-free, and bundling your home and auto policies. Comparison shop every other policy renewal by requesting rates from direct companies, and also from several local insurance agents.
The following is a review of the ideas that were presented in the illustrations above.
- Teens pay the highest prices, possibly costing $404 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,600 more each year for GR86 insurance
- Increasing policy deductibles can save approximately $675 each year
- You may be able to save as much as $180 per year simply 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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