Toyota GR86 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota GR86 are $1,412 a year including full coverage. Comprehensive costs around $382 each year, collision insurance costs $656, and liability costs $264. Liability-only coverage costs as little as $312 a year, and high-risk coverage costs around $3,030. Teens pay the most at up to $4,876 a year.
Average premium for full coverage: $1,412
Premium estimates for type of coverage:
Rate estimates include $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and GR86 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota GR86 range from as low as $312 for the bare minimum liability coverage to a high rate of $3,030 for high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.
These rate differences highlight why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based 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 Information
The chart below breaks down average Toyota GR86 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $790
- Drivers who choose higher $1,000 deductibles will pay about $236 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,412
- Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,868
- Drivers with serious driving violations could pay at least $3,030
- An auto insurance policy for full coverage for a 16-year-old driver can be $4,876 a year
Insurance prices for a Toyota GR86 also have a wide range based on your driving characteristics, the model of your GR86, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age
Where you choose to live makes a big difference in Toyota GR86 insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $700 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $237 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost from 45% to 127% more than the average policy. View High Risk Driver Rates
| 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 Find the Best Toyota GR86 Insurance
Finding better rates on insurance for a Toyota GR86 not only requires having a good driving record, but also maintaining good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief recap of the material that was covered in the charts and tables above.
- Insureds who may need increased levels of liability coverage will pay approximately $290 per year to go from 30/60 bodily injury limits to 250/500 limits
- Drivers age 20 and younger pay higher prices, with the cost nearing $406 per month for full coverage
- Drivers considered higher risk who tend to receive serious violations pay on average $1,620 more every year to buy Toyota GR86 insurance
- Increasing policy deductibles can save around $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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