Toyota GR86 Insurance Rates

The average insurance rates for a Toyota GR86 are $1,392 a year for full coverage. Comprehensive insurance costs on average $368 a year, collision insurance costs $640, and liability costs around $274. Liability-only coverage costs as low as $322 a year, and high-risk coverage costs $2,996 or more. Teenage drivers cost the most to insure at up to $4,848 a year.

Average premium for full coverage: $1,392

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and GR86 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

The examples above show why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Toyota GR86 insurance rates for different risk profiles and scenarios.

• The best discount rate is $779
• Using higher $1,000 deductibles will save around $1,162 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,392
• Using low $100 deductibles for physical damage coverage will cost an extra $444 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,996
• Policy cost for full coverage for a 16-year-old driver may cost $4,848 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

Your home state has a huge impact on Toyota GR86 insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,990 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $680 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $246 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be from 45% to 129% more than a normal policy. View High Risk Driver Rates

How to Find the Right Toyota GR86 Insurance

Finding cheaper rates on insurance for a Toyota GR86 requires being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a quick rundown of the data presented in the illustrations above.

• Insureds who require more liability coverage will pay an extra $300 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save as much as $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $675 each year
• Teen drivers pay higher rates, costing up to $404 each month including comprehensive and collision insurance