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. Comprehensive insurance costs around $368, collision insurance costs $640, and liability is $274. A policy with just liability insurance costs around $322 a year, and coverage for high-risk drivers costs $2,996 or more. 16-year-old drivers receive the highest rates at up to $4,848 a year.
Average premium for full coverage: $1,392
Rate estimates for individual coverage type:
Includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different GR86 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $322 for your basic liability-only policy to a much higher rate of $2,996 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than congested cities. The price range example below illustrates how your location can change auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of 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.
More Rate Information
The chart below shows average Toyota GR86 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $779
- Raising to $1,000 deductibles will save about $230 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,392
- Buying more expensive low deductibles costs an extra $444 every year
- At-risk drivers with multiple tickets or accidents could pay at least $2,996
- The cost to insure a teen driver with full coverage can be $4,848
Insurance rates for a Toyota GR86 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $680 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $246 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 129% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Toyota GR86 insurance prices. A middle-age driver might find rates as low as $920 a year in states like Idaho, Maine, and Iowa, or at least $1,990 on average in Michigan, Louisiana, and New York.
| 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 the Cheapest Toyota GR86 Insurance
Saving money on car insurance consists of being a low-risk driver, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to shop around at every policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a recap of the data illustrated above.
- Policyholders who may need more liability coverage will pay around $300 each year to raise from a minimum limit to a 250/500 level
- Drivers can save up to $180 per year just by shopping early and online
- Increasing deductibles could save as much as $675 each year
- Teen drivers are charged the highest rates, costing as high as $404 per month if full coverage is included
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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