Toyota GR86 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance rates for a Toyota GR86 are $1,392 a year including full coverage. Comprehensive insurance costs on average $368 each year, collision costs $640, and liability coverage costs around $274. A policy with just liability insurance costs as low as $322 a year, with coverage for high-risk drivers costing $2,996 or more. Teenage drivers receive the highest rates at $4,848 a year or more.
Average premium for full coverage: $1,392
Rate estimates by individual coverage type:
Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and GR86 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $322 for just liability coverage to a high rate of $2,996 for a policy for a high-risk driver.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities.
The graphic below illustrates how where you live affects car insurance rates.
These examples highlight why all drivers should compare prices based on a specific location and risk profile, rather than using 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.
Detailed Rate Analysis
The chart below breaks down estimated Toyota GR86 insurance rates for different risk profiles and scenarios.
- The best discount rate is $779
- Using higher $1,000 deductibles will save around $230 every year
- The average rate for a 40-year-old driver with $500 deductibles is $1,392
- Using low deductibles for physical damage coverage will cost an extra $444 each year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,996 or more
- The cost for full coverage for a teenage driver may cost $4,848 or more
Insurance rates for a Toyota GR86 can also vary considerably based on your driver profile, the model of your GR86, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age
Where you live 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 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 rates by as much as $680 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $246 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be around 45% to 129% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly 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
Saving money on auto insurance requires being a low-risk driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every year by quoting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The items below are a review of the coverage data touched on in the above illustrations.
- You may be able to save as much as $180 per year simply by quoting online in advance
- Increasing deductibles can save around $675 each year
- Teen drivers pay higher rates, as much as $404 per month including comprehensive and collision insurance
- Drivers who have several accidents or serious violations may pay on average $1,600 more each year to insure their GR86
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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