Toyota GR86 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota GR86 are $1,426 a year for full coverage. Comprehensive insurance costs around $398 each year, collision insurance costs $660, and liability insurance is estimated at $258. Liability-only coverage costs approximately $306 a year, and high-risk coverage costs $3,054 or more. Teenage drivers pay the most at up to $4,894 a year.
Average premium for full coverage: $1,426
Premium estimates for type of coverage:
Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and GR86 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Toyota GR86 range from as low as $306 for liability-only coverage to a high rate of $3,054 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.
These rate differences show why all drivers should get quotes for a specific zip code and risk profile, rather than relying 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.
Additional Charts and Tables
The chart below shows average Toyota GR86 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $801
- Choosing higher $1,000 deductibles can save about $240 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,426
- Using low deductibles for comp and collision coverage will cost an extra $466 a year
- High-risk insureds who are prone to accidents and violations could pay at least $3,054
- An auto insurance policy for full coverage for a teen driver can be $4,894 each year
Insurance prices for a Toyota GR86 also have a wide range based on your driving characteristics, the trim level of your GR86, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 annually 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 plays a big part in determining prices for Toyota GR86 insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,030 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,290 | -$136 | -9.5% |
| Alaska | $1,094 | -$332 | -23.3% |
| Arizona | $1,184 | -$242 | -17.0% |
| Arkansas | $1,426 | -$0 | 0.0% |
| California | $1,626 | $200 | 14.0% |
| Colorado | $1,362 | -$64 | -4.5% |
| Connecticut | $1,462 | $36 | 2.5% |
| Delaware | $1,614 | $188 | 13.2% |
| Florida | $1,782 | $356 | 25.0% |
| Georgia | $1,318 | -$108 | -7.6% |
| Hawaii | $1,024 | -$402 | -28.2% |
| Idaho | $966 | -$460 | -32.3% |
| Illinois | $1,062 | -$364 | -25.5% |
| Indiana | $1,074 | -$352 | -24.7% |
| Iowa | $962 | -$464 | -32.5% |
| Kansas | $1,354 | -$72 | -5.0% |
| Kentucky | $1,942 | $516 | 36.2% |
| Louisiana | $2,110 | $684 | 48.0% |
| Maine | $878 | -$548 | -38.4% |
| Maryland | $1,176 | -$250 | -17.5% |
| Massachusetts | $1,138 | -$288 | -20.2% |
| Michigan | $2,476 | $1,050 | 73.6% |
| Minnesota | $1,196 | -$230 | -16.1% |
| Mississippi | $1,708 | $282 | 19.8% |
| Missouri | $1,264 | -$162 | -11.4% |
| Montana | $1,532 | $106 | 7.4% |
| Nebraska | $1,122 | -$304 | -21.3% |
| Nevada | $1,710 | $284 | 19.9% |
| New Hampshire | $1,028 | -$398 | -27.9% |
| New Jersey | $1,592 | $166 | 11.6% |
| New Mexico | $1,262 | -$164 | -11.5% |
| New York | $1,502 | $76 | 5.3% |
| North Carolina | $820 | -$606 | -42.5% |
| North Dakota | $1,166 | -$260 | -18.2% |
| Ohio | $984 | -$442 | -31.0% |
| Oklahoma | $1,462 | $36 | 2.5% |
| Oregon | $1,308 | -$118 | -8.3% |
| Pennsylvania | $1,360 | -$66 | -4.6% |
| Rhode Island | $1,902 | $476 | 33.4% |
| South Carolina | $1,292 | -$134 | -9.4% |
| South Dakota | $1,204 | -$222 | -15.6% |
| Tennessee | $1,248 | -$178 | -12.5% |
| Texas | $1,718 | $292 | 20.5% |
| Utah | $1,054 | -$372 | -26.1% |
| Vermont | $974 | -$452 | -31.7% |
| Virginia | $854 | -$572 | -40.1% |
| Washington | $1,100 | -$326 | -22.9% |
| West Virginia | $1,308 | -$118 | -8.3% |
| Wisconsin | $988 | -$438 | -30.7% |
| Wyoming | $1,268 | -$158 | -11.1% |
Using high physical damage deductibles can save as much as $710 each year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $232 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,700 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota GR86 | $418 | $688 | $246 | $1,462 |
| 2023 Toyota GR86 | $398 | $660 | $258 | $1,426 |
| 2022 Toyota GR86 | $382 | $656 | $264 | $1,412 |
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 Cheap Toyota GR86 Insurance
Finding better rates on Toyota GR86 insurance takes having a good driving record, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The next list is a quick review of the data that was touched on in the above illustrations.
- Drivers can save up to $180 per year just by quoting online in advance
- Drivers who may need increased levels of liability coverage will pay an extra $280 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
- Drivers age 20 and younger pay higher prices, as much as $408 per month for full coverage
- High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,630 more every year to buy Toyota GR86 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,894 |
| 20 | $3,230 |
| 30 | $1,514 |
| 40 | $1,426 |
| 50 | $1,296 |
| 60 | $1,270 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,892 |
| $250 | $1,678 |
| $500 | $1,426 |
| $1,000 | $1,186 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,426 |
| 50/100 | $1,478 |
| 100/300 | $1,542 |
| 250/500 | $1,710 |
| 100 CSL | $1,503 |
| 300 CSL | $1,645 |
| 500 CSL | $1,749 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,056 |
| 20 | $5,136 |
| 30 | $3,152 |
| 40 | $3,054 |
| 50 | $2,906 |
| 60 | $2,878 |
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 | $79 |
| Multi-vehicle | $71 |
| Homeowner | $18 |
| 5-yr Accident Free | $113 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $72 |
| Advance Quote | $74 |
| Online Quote | $105 |
| Total Discounts | $625 |
Discounts are estimated and may not be available from every company or in every state.
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