Toyota GR86 Insurance Rates

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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:

Comprehensive $368
Collision $640
Liability $274

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.

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

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.

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

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

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

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.

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

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.

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 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

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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