Toyota GR86 Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Toyota GR86 are $1,392 annually including full coverage. Comprehensive costs around $368, collision insurance costs $640, and liability costs $274. Liability-only insurance costs as little as $322 a year, and high-risk driver insurance costs around $2,996. Teen drivers cost the most to insure at up to $4,848 a year.
Average premium for full coverage: $1,392
Policy rates for type of insurance:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different GR86 trim levels.
Price Range Variability
For a driver in their 40's, Toyota GR86 insurance rates range from as cheap as $322 for just liability insurance to a much higher rate of $2,996 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based 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.
More Rate Details
The chart below breaks down average 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 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,392
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,836
- Drivers with multiple violations and an at-fault accident could pay at least $2,996
- Policy cost with full coverage for a 16-year-old driver with full coverage can be $4,848 a year
Auto insurance rates for a Toyota GR86 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have 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 caused a few accidents, you are likely paying at least $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can cost from 45% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $680 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $246 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Toyota GR86 insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,990 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Buy the Cheapest Toyota GR86 Insurance
Finding cheaper rates on insurance for a Toyota GR86 not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a recap of the information covered in the charts and tables above.
- You may be able to save up to $180 per year just by shopping early and online
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $404 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save up to $675 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,600 more every year than a safer driver
- Insureds who may need an increased level of liability coverage will pay about $300 per year to go from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,836 |
| $250 | $1,632 |
| $500 | $1,392 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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