Toyota GR86 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Toyota GR86 are $1,392 every 12 months with full coverage. Comprehensive insurance costs approximately $368 a year, collision costs $640, and liability costs around $274. Liability-only insurance costs as low as $322 a year, with high-risk driver insurance costing $2,996 or more. Teen drivers pay the highest rates at $4,848 a year or more.
Average premium for full coverage: $1,392
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and GR86 trim levels.
Price Range from Low to High
For a 40-year-old driver, Toyota GR86 insurance prices go from the cheapest price of $322 for a discount liability-only rate to a high of $2,996 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas.
The diagram below illustrates how your location can change auto insurance prices.
The ranges above demonstrate why it is important to compare prices using their specific location and their own driving history, 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.
Rates by State, City, and Model
The chart below details estimated Toyota GR86 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $779
- Using higher $1,000 deductibles will save $1,162 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,392
- Choosing low $100 deductibles for physical damage coverage costs an extra $444 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,996 or more
- The price to insure a 16-year-old driver can cost $4,848 or more
Car insurance prices for a Toyota GR86 are also quite variable based on deductibles and policy limits, your driving record, and the model of your GR86.
Choosing high deductibles could cut prices by as much as $680 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $246 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can be from 45% to 129% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Toyota GR86 insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,880 on average in New York, Michigan, and Florida.
| 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% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so rate quotes may be quite different.
| 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 More Affordable Toyota GR86 Insurance
Getting lower rates on insurance for a Toyota GR86 requires having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around at least every other year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a summary of the car insurance concepts illustrated above.
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,600 more per year to buy Toyota GR86 insurance
- You may be able to save around $180 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $675 each year
- Insureds who purchase increased levels of liability coverage will pay about $300 every year to increase from a low limit to a 250/500 level
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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