Toyota GR86 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Toyota GR86 are $1,392 a year including full coverage. Comprehensive costs around $368 each year, collision costs $640, and liability insurance costs around $274. A policy with just liability insurance costs as low as $322 a year, with coverage for high-risk drivers costing around $2,996. Teenage drivers pay the highest rates at $4,848 a year or more.
Average premium for full coverage: $1,392
Price estimates for individual coverage:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and GR86 models.
Price Range from Low to High
For an average driver, Toyota GR86 insurance prices go from as low as $322 for the bare minimum liability coverage to a high rate of $2,996 for a high-risk driver policy.
Geographic Price Range
Where you live has a significant impact on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The ranges above highlight why all drivers should compare prices for a specific zip code and risk profile, rather than relying on average rates.
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.
Additional Rate Information
The chart below breaks down estimated Toyota GR86 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $779
- Using higher $1,000 deductibles will save about $230 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,392
- Using low deductibles for physical damage coverage will increase the cost to $1,836
- Drivers who are prone to accidents and violations could pay at least $2,996 or more
- The price for full coverage for a teen driver can be $4,848 or more
Insurance prices for a Toyota GR86 are also quite variable based on your driving record, the model of your GR86, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age
The state you live in has a huge impact on Toyota GR86 insurance rates. A driver around age 40 might see prices as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $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% |
Using high physical damage deductibles could cut prices by as much as $680 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $246 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 129% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.
| 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 Find Low Cost Toyota GR86 Insurance
Getting lower rates on Toyota GR86 insurance requires having a decent driving record, maintaining good credit, being claim-free, and insuring your home and auto with the same company. Take the time to compare rates every time your policy renews by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following items are a review of the information covered in the above illustrations.
- You may be able to save up to $180 per year simply by quoting online in advance
- 16 to 18-year-old drivers pay higher prices, possibly costing $404 a month for full coverage
- Increasing physical damage deductibles can save around $675 each year
- High-risk drivers who have several accidents or serious violations pay on average $1,600 more every year than a driver with a clean driving record
- Drivers who may need additional liability coverage will pay an extra $300 per year to increase from a low limit to 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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