Toyota GR86 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota GR86 are $1,412 every 12 months including full coverage. Comprehensive costs around $382 each year, collision insurance costs $656, and liability coverage costs around $264. Liability-only insurance costs as low as $312 a year, and high-risk driver insurance costs around $3,030. Teen drivers pay the most at up to $4,876 a year.
Average premium for full coverage: $1,412
Premium estimates for type of coverage:
Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and GR86 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota GR86 range from the cheapest price of $312 for a discount liability-only rate to a high rate of $3,030 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.
These rate differences highlight why all drivers should compare prices for a specific zip code and their own driving history, rather than using 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.
Rates by State, City, and Model
The chart below breaks down average Toyota GR86 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $790
- Using higher $1,000 deductibles will save about $236 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,412
- Choosing low deductibles for physical damage coverage increases the price to $1,868
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,030
- An auto insurance policy to insure a teenage driver can be $4,876 or more
Insurance prices for a Toyota GR86 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Choosing high deductibles could cut prices by as much as $700 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $237 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers can be around 45% to 127% more than average. View High Risk Driver Rates
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 $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Shop for Cheaper Toyota GR86 Insurance
Finding better rates on auto insurance requires being a low-risk driver, having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Invest time comparing rates once a year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The items below are a condensed summary of the data that was covered in the charts and tables above.
- You may be able to save up to $180 per year just by quoting online in advance
- Consumers who may need more liability coverage will pay about $290 per year to increase from 30/60 bodily injury limits to a 250/500 level
- Teen drivers are charged the highest prices, with the cost nearing $406 per month if full coverage is included
- Drivers with multiple at-fault accidents could be forced to pay on average $1,620 more every year to insure their GR86
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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