Toyota GR86 Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Toyota GR86 are $1,392 annually including full coverage. Comprehensive insurance costs on average $368, collision insurance costs $640, and liability insurance costs around $274. Liability-only insurance costs as low as $322 a year, and high-risk driver insurance 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:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all GR86 models.
Price Range Variability
For an average driver, Toyota GR86 insurance rates range from as cheap as $322 for your basic liability-only policy to the much higher price of $2,996 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The example below illustrates the effect of geographic area on car insurance rates.
The examples above highlight why everyone should compare prices based on a specific location and their own personal driving habits, rather than relying 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.
More Rate Information
The chart below breaks down average Toyota GR86 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $779
- Using higher $1,000 deductibles will save around $230 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,392
- Buying pricier low deductibles for physical damage coverage costs an additional $444 a year
- Drivers with multiple tickets or accidents could pay upwards of $2,996
- Policy cost with full coverage for a teen driver for full coverage may cost $4,848 or more
Auto insurance rates for a Toyota GR86 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Toyota GR86 insurance for high-risk drivers can be anywhere from 45% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $680 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $246 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota GR86 insurance rates. A driver around age 40 might see rates as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,990 on average in Michigan, New York, and Louisiana.
| 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 Buy Affordable Toyota GR86 Insurance
Finding cheaper rates on Toyota GR86 insurance requires being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a brief review of the car insurance concepts covered in the above illustrations.
- High-risk drivers with DUI or reckless driving convictions pay on average $1,600 more each year than a low-risk driver
- You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $675 each year
- Drivers who require more liability protection will pay around $300 per year to increase from a 30/60 limit to higher 250/500 limits
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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