Toyota GR86 Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Toyota GR86 are $1,392 annually for full coverage insurance. Comprehensive costs around $368 each year, collision costs $640, and liability coverage is estimated at $274. A liability-only policy costs approximately $322 a year, with high-risk insurance costing around $2,996. 16-year-old drivers receive the highest rates at $4,848 a year or more.
Average premium for full coverage: $1,392
Rate estimates for individual coverage type:
Includes $500 physical damage deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and GR86 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $322 for a discount liability-only rate to a high rate of $2,996 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities.
The graphic below illustrates how where you live affects auto insurance rates.
These examples illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than using 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.
Rates by State, City, and Model
The chart below illustrates estimated Toyota GR86 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $779
- Choosing higher $1,000 deductibles can save about $230 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,392
- Buying low deductibles for comp and collision coverage will cost $1,836
- Drivers with multiple tickets or accidents could pay at least $2,996 or more
- The cost with full coverage for a teenage driver can be $4,848 each year
Insurance rates for a Toyota GR86 can also vary considerably based on the trim level of your GR86, your risk profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers ranges around 45% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $680 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $246 more per year. View Rates by Deductible or Liability Limit
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 at least $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% |
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates can be significantly different between companies.
| 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 Buy the Cheapest Toyota GR86 Insurance
Saving money on auto insurance takes being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every year by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below is a recap of the coverage data touched on in the above illustrations.
- It is possible to save up to $180 per year simply by quoting online in advance
- Increasing deductibles could save up to $675 each year
- Teenage drivers pay higher rates, costing up to $404 per month including comprehensive and collision insurance
- Drivers that have major violations or accidents pay on average $1,600 more every year for auto insurance
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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