Toyota GR86 Insurance Rates

The average insurance rates for a Toyota GR86 are $1,392 a year for full coverage. Comprehensive insurance costs approximately $368 each year, collision insurance costs $640, and liability costs $274. Buying just liability costs as little as $322 a year, and insurance for high-risk drivers costs $2,996 or more. 16-year-old drivers cost the most to insure at up to $4,848 a year.

Average premium for full coverage: $1,392

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and GR86 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than congested cities. The graphic below illustrates how your location can change auto insurance prices.

The examples above show why all drivers should compare rates using their specific location and risk profile, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows average Toyota GR86 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $779
• Drivers who choose higher $1,000 deductibles will pay $230 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,392
• Buying low deductibles for comprehensive and collision insurance will cost an extra $444 every year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,996
• Policy cost for full coverage for a teen driver can cost $4,848 a year

View Chart as Image

Insurance rates for a Toyota GR86 also range considerably based on your risk profile, the trim level of your GR86, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state makes a big difference in Toyota GR86 insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or at least $1,990 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $680 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $246 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 129% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Toyota GR86 Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a summary of the data that was illustrated above.

• Drivers can save around $180 per year just by quoting online in advance
• Policyholders who purchase more liability coverage will pay around $300 each year to go from a 30/60 limit to 250/500 limits
• Teen drivers are expensive to insure, costing up to $404 each month for full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,600 more per year to insure their GR86