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...
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UPDATED: Mar 28, 2024
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Average insurance prices for a Toyota GR86 are $1,392 every 12 months for full coverage insurance. Comprehensive costs on average $368 a year, collision insurance costs $640, and liability insurance is estimated at $274. A liability-only policy costs approximately $322 a year, and high-risk insurance costs around $2,996. Teen drivers receive the highest rates at up to $4,848 a year.
Average premium for full coverage: $1,392
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and GR86 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the cheapest price of $322 for minimum levels of liability insurance to a high of $2,996 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.
These examples illustrate why it is important to get quotes based on a specific location and their own driving history, rather than relying on price 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 different risk profiles and scenarios.
- The lowest rate with discounts is $779
- Choosing higher $1,000 deductibles can save around $1,162 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,392
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,836
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,996
- The cost to insure a teen driver may cost $4,848 each year
Insurance rates for a Toyota GR86 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your GR86.
Choosing high deductibles can save as much as $680 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $246 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 129% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Toyota GR86 insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or 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 Cheaper Toyota GR86 Insurance
Saving money on Toyota GR86 insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates at every policy renewal by getting price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a condensed summary of the data presented in the illustrations above.
- Drivers who require increased liability limits will pay about $300 annually to raise limits from a minimum limit to a 250/500 level
- It is possible to save as much as $180 per year just by quoting early and online
- Increasing deductibles could save as much as $675 each year
- Drivers under the age of 20 pay the highest rates, costing up to $404 per month if they have full coverage
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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