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 $1,392 every 12 months for full coverage insurance. Comprehensive insurance costs around $368 each year, collision costs $640, and liability costs $274. Buying just liability costs as little as $322 a year, with insurance for high-risk drivers costing $2,996 or more. Teen drivers cost the most to insure at $4,848 a year or more.

Average premium for full coverage: $1,392

Policy rates for type of insurance:

Comprehensive $368
Collision $640
Liability $274

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and GR86 models.

Price Range Variability

For an average driver, Toyota GR86 insurance rates go from the cheapest price of $322 for just liability coverage to a high rate of $2,996 for a driver required to buy high-risk insurance.

Liability Only $322
Full Coverage $1,392
High Risk $2,996

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,044
Small Cities $1,462
Large Cities $1,879

The examples above illustrate why all drivers should compare rates for a specific zip code and their own driving history, instead of using 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.

Detailed Rate Analysis

The chart below illustrates estimated Toyota GR86 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $779
  • Drivers who choose higher $1,000 deductibles will pay about $230 each year
  • The average price for a good driver age 40 using $500 deductibles is $1,392
  • Choosing low deductibles for comprehensive and collision insurance costs an extra $444 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,996 or more
  • Policy cost to insure a teen driver can be $4,848 a year

View Chart as Image

Toyota GR86 insurance cost comparison chart
Column chart showing full coverage Toyota GR86 insurance prices range from $779 to $4,848

Insurance rates for a Toyota GR86 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles could save up to $680 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $246 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may 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 as much as $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 are probably paying at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 129% more than average. View High Risk Driver Rates

Your home state makes a big difference in Toyota GR86 insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,880 on average in Michigan, New York, and Florida.

Toyota GR86 Insurance Rates by State
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%

View Chart as Image

Toyota GR86 insurance rates by U.S. city

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied.

Toyota GR86 Insurance Rates by Model Year
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 the Right Toyota GR86 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having good credit, being claim-free, and insuring your home and auto with the same company. Take the time to compare rates at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a quick rundown of the data covered in the above illustrations.

  • Policyholders who may need increased liability limits will pay about $300 annually to go from a 30/60 limit to a 250/500 level
  • It is possible to save up to $180 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $675 each year
  • Drivers under the age of 20 pay higher rates, possibly costing $404 each month if they have full coverage

Rates by Driver Age

Toyota GR86 Insurance 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

Toyota GR86 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,836
$250 $1,632
$500 $1,392
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Toyota GR86 Insurance Rates with Different Liability Limits
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

Toyota GR86 Insurance 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.

SR-22 Surcharge $195

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
Rate after discounts $779

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

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