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 $1,412 annually with full coverage. Comprehensive costs an estimated $382 a year, collision costs $656, and liability costs around $264. Liability-only coverage costs as low as $312 a year, with high-risk coverage costing around $3,030. Teenage drivers cost the most to insure at $4,876 a year or more.
Average premium for full coverage: $1,412
Policy rates broken down by type of insurance:
Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and GR86 trim levels.
Price Range Variability
For a driver around age 40, Toyota GR86 insurance rates go from as cheap as $312 for just liability coverage to a high of $3,030 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
The examples above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of 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 details estimated Toyota GR86 insurance rates for other coverage scenarios.
- The best discount rate is $790
- Using higher $1,000 deductibles will save approximately $1,176 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,412
- Using low $100 deductibles for physical damage coverage will cost $1,868
- Drivers who are prone to accidents and violations could pay up to $3,030 or more
- Policy cost with full coverage for a teen driver can cost as much as $4,876 or more
Insurance rates for a Toyota GR86 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $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 may be forking out $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $700 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $237 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota GR86 insurance prices. A driver around age 40 might see rates as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,900 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,276 | -$136 | -9.6% |
| Alaska | $1,080 | -$332 | -23.5% |
| Arizona | $1,170 | -$242 | -17.1% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,346 | -$66 | -4.7% |
| Connecticut | $1,448 | $36 | 2.5% |
| Delaware | $1,596 | $184 | 13.0% |
| Florida | $1,762 | $350 | 24.8% |
| Georgia | $1,302 | -$110 | -7.8% |
| Hawaii | $1,012 | -$400 | -28.3% |
| Idaho | $954 | -$458 | -32.4% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,062 | -$350 | -24.8% |
| Iowa | $952 | -$460 | -32.6% |
| Kansas | $1,338 | -$74 | -5.2% |
| Kentucky | $1,920 | $508 | 36.0% |
| Louisiana | $2,088 | $676 | 47.9% |
| Maine | $868 | -$544 | -38.5% |
| Maryland | $1,164 | -$248 | -17.6% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,448 | $1,036 | 73.4% |
| Minnesota | $1,180 | -$232 | -16.4% |
| Mississippi | $1,692 | $280 | 19.8% |
| Missouri | $1,250 | -$162 | -11.5% |
| Montana | $1,514 | $102 | 7.2% |
| Nebraska | $1,110 | -$302 | -21.4% |
| Nevada | $1,692 | $280 | 19.8% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,574 | $162 | 11.5% |
| New Mexico | $1,248 | -$164 | -11.6% |
| New York | $1,484 | $72 | 5.1% |
| North Carolina | $812 | -$600 | -42.5% |
| North Dakota | $1,154 | -$258 | -18.3% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,446 | $34 | 2.4% |
| Oregon | $1,294 | -$118 | -8.4% |
| Pennsylvania | $1,344 | -$68 | -4.8% |
| Rhode Island | $1,880 | $468 | 33.1% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,190 | -$222 | -15.7% |
| Tennessee | $1,234 | -$178 | -12.6% |
| Texas | $1,698 | $286 | 20.3% |
| Utah | $1,044 | -$368 | -26.1% |
| Vermont | $962 | -$450 | -31.9% |
| Virginia | $846 | -$566 | -40.1% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,296 | -$116 | -8.2% |
| Wisconsin | $976 | -$436 | -30.9% |
| Wyoming | $1,254 | -$158 | -11.2% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota GR86 | $398 | $660 | $258 | $1,426 |
| 2023 Toyota GR86 | $382 | $656 | $264 | $1,412 |
| 2022 Toyota GR86 | $368 | $640 | $274 | $1,392 |
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 the Best Toyota GR86 Insurance
Finding cheaper rates on car insurance requires being a safe and courteous driver, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a brief recap of the material that was covered above.
- Policyholders who want higher levels of liability will pay an extra $290 every year to increase from a 30/60 limit to higher 250/500 limits
- Teenage drivers are expensive to insure, as much as $406 each month if they have full coverage
- Higher risk drivers who tend to receive serious violations pay on average $1,620 more annually for auto insurance
- Increasing comprehensive and collision deductibles could save up to $700 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,876 |
| 20 | $3,208 |
| 30 | $1,496 |
| 40 | $1,412 |
| 50 | $1,284 |
| 60 | $1,258 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,868 |
| $250 | $1,656 |
| $500 | $1,412 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,465 |
| 100/300 | $1,531 |
| 250/500 | $1,702 |
| 100 CSL | $1,491 |
| 300 CSL | $1,636 |
| 500 CSL | $1,742 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,030 |
| 20 | $5,102 |
| 30 | $3,126 |
| 40 | $3,030 |
| 50 | $2,884 |
| 60 | $2,858 |
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 | $78 |
| Multi-vehicle | $71 |
| Homeowner | $18 |
| 5-yr Accident Free | $113 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $72 |
| Advance Quote | $73 |
| Online Quote | $104 |
| Total Discounts | $622 |
Discounts are estimated and may not be available from every company or in every state.
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