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 with full coverage. Comprehensive insurance costs approximately $368 a year, collision costs $640, and liability insurance costs around $274. A liability-only policy costs as low as $322 a year, with high-risk insurance costing $2,996 or more. Teens receive the highest rates at $4,848 a year or more.
Average premium for full coverage: $1,392
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and GR86 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $322 for minimum levels of liability insurance to a high of $2,996 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.
The diagram below illustrates how location impacts auto insurance prices.
These examples demonstrate why it is important to compare prices using their specific location and risk profile, rather than relying on averaged prices.
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 Details
The chart below details estimated Toyota GR86 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $779
- Using higher $1,000 deductibles will save $1,162 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,392
- Selecting low $100 deductibles for physical damage coverage will cost an extra $444 a year
- Drivers with serious driving violations could pay around $2,996 or more
- The cost for full coverage for a teen driver can cost $4,848 or more
Insurance rates for a Toyota GR86 can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark 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 $1,000 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,880 on average in New York, Michigan, 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $680 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $246 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 129% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so the 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 the Best Toyota GR86 Insurance
Saving money on Toyota GR86 insurance requires avoiding accidents and claims, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around every year by requesting rates from direct companies like GEICO and Progressive, and also from several local insurance agents.
The points below are a brief recap of the coverage data touched on above.
- You may be able to save around $180 per year simply by quoting early and online
- Increasing deductibles can save around $675 each year
- Drivers under the age of 20 are expensive to insure, with premiums as much as $404 per month for full coverage
- High-risk drivers who tend to receive serious violations pay on average $1,600 more per year to insure a Toyota 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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