Toyota GR86 Insurance Rates
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Michelle Robbins
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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 insurance. Comprehensive insurance costs on average $368, collision insurance costs $640, and liability is estimated at $274. Liability-only coverage costs approximately $322 a year, and high-risk coverage costs $2,996 or more. Teenage drivers receive the highest rates at up to $4,848 a year.
Average premium for full coverage: $1,392
Rate estimates by individual coverage type:
These estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all GR86 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the cheapest price of $322 for just liability insurance to the much higher price of $2,996 for high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities. The example below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why everyone should get quotes based on a specific location and their own driving history, instead of making a decision based 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.
More Rate Details
The chart below illustrates average Toyota GR86 insurance rates for different risk profiles and scenarios.
- The best discount rate is $779
- Choosing higher $1,000 deductibles can save around $230 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,392
- Using pricier low deductibles for comp and collision coverage costs an extra $444 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,996
- The cost to insure a 16-year-old driver for full coverage may cost $4,848 each year
Car insurance rates for a Toyota GR86 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your GR86.
Using high physical damage deductibles can save as much as $680 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $246 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Toyota GR86 insurance for high-risk drivers ranges from 45% to 129% more than a normal policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Toyota GR86 insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,880 on average in Michigan, New York, 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% |
| 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 Cheap Toyota GR86 Insurance
Saving money on insurance for a Toyota GR86 takes having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a brief summary of the material that was raised in the charts and tables above.
- Insureds who require increased levels of liability coverage will pay an extra $300 annually to raise limits from a minimum limit to a 250/500 level
- Drivers age 20 and younger are expensive to insure, costing up to $404 per month if the policy includes full coverage
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,600 more each year to buy Toyota GR86 insurance
- Increasing deductibles could save as much as $675 each year
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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