Toyota GR86 Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Toyota GR86 are $1,426 every 12 months with full coverage. Comprehensive costs approximately $398, collision insurance costs $660, and liability insurance costs $258. Buying just liability costs as little as $306 a year, and insurance for high-risk drivers costs around $3,054. Teen drivers cost the most to insure at up to $4,894 a year.
Average premium for full coverage: $1,426
Policy rates by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different GR86 trim levels.
Price Range Variability
For the average 40-year-old driver, Toyota GR86 insurance rates range from the cheapest price of $306 for the bare minimum liability coverage to a much higher rate of $3,054 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on price 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.
Additional Rate Information
The chart below details average Toyota GR86 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $801
- Drivers who choose higher $1,000 deductibles will pay $240 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,426
- Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,892
- High risk drivers with multiple violations and an at-fault accident could pay around $3,054
- Policy cost to insure a teen driver with full coverage can cost $4,894 a year
Insurance rates for a Toyota GR86 also range considerably based on liability limits and deductibles, your driving record, and the model of your GR86.
Choosing high deductibles could save up to $710 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $232 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,700 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 134% more than average. View High Risk Driver Rates
Your home state makes a big difference in Toyota GR86 insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,920 on average in New York, Michigan, and Florida.
| 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% |
| 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 Shop for the Best Toyota GR86 Insurance
Finding cheaper rates on Toyota GR86 insurance not only requires having a decent driving record, but also having good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The following items are a brief recap of the data that was touched on in this article.
- You may be able to save around $180 per year just by shopping early and online
- Drivers who purchase additional liability coverage will pay about $280 every year to go from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers are expensive to insure, as much as $408 each month if they have full coverage
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,630 more per year than a driver with a clean driving record
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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