Toyota GR86 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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The average insurance rates for a Toyota GR86 are $1,412 a year for full coverage insurance. Comprehensive insurance costs an estimated $382, collision insurance costs $656, and liability is estimated at $264. Liability-only coverage costs approximately $312 a year, and high-risk coverage costs $3,030 or more. 16-year-old drivers cost the most to insure at up to $4,876 a year.

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

Comprehensive $382
Collision $656
Liability $264

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for all GR86 models.

Price Range Variability

For the average 40-year-old driver, Toyota GR86 insurance rates range from the low end price of $312 for a discount liability-only rate to the much higher price of $3,030 for coverage for higher-risk drivers.

Liability Only $312
Full Coverage $1,412
High Risk $3,030

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities. The example below illustrates the difference location can make on insurance prices.

Rural Areas $1,059
Small Cities $1,483
Large Cities $1,906

The examples above illustrate why everyone should get quotes for a targeted area, instead of using rate averages.

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.

Rates by State, City, and Model

The chart below illustrates average Toyota GR86 insurance rates for other coverage scenarios.

  • The best full coverage rate is $790
  • Choosing higher $1,000 deductibles can save approximately $236 each year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,412
  • Buying pricier low deductibles for comp and collision coverage will cost an additional $456 every year
  • Unlucky drivers with multiple tickets or accidents could pay up to $3,030
  • Policy cost that insures a teen driver for full coverage can cost as much as $4,876 each year

View Chart as Image

Toyota GR86 insurance cost comparison chart
Column chart showing Toyota GR86 insurance prices range from $790 to $4,876 for full coverage

Insurance rates for a Toyota GR86 also range considerably based on the model of your GR86, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,600 to $2,200 additional every year, depending on your age. Toyota GR86 insurance for high-risk drivers ranges as much as 45% to 127% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota GR86 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,900 on average in Florida, New York, and Michigan.

Toyota GR86 Insurance Rates by State
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%

View Chart as Image

Toyota GR86 insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $700 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $237 more each year. View Rates by Deductible or Liability Limit

Toyota GR86 Insurance Rates by Model Year
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 Cheaper Toyota GR86 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a good credit score, being claim-free, and possibly raising deductibles. Comparison shop at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The list below is a condensed summary of the primary concepts that were touched on in this article.

  • It is possible to save approximately $180 per year just by quoting online well ahead of the renewal date
  • Higher risk drivers with multiple at-fault accidents may have to pay on average $1,620 more annually for car insurance
  • Increasing comprehensive and collision deductibles can save approximately $700 each year
  • Teenagers are expensive to insure, possibly costing $406 each month if comprehensive and collision insurance is included

Rates by Driver Age

Toyota GR86 Insurance 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

Toyota GR86 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,868
$250 $1,656
$500 $1,412
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Toyota GR86 Insurance Rates with Different Liability Limits
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

Toyota GR86 Insurance 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.

SR-22 Surcharge $197

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
Rate after discounts $790

Discounts are estimated and may not be available from every company or in every state.

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