Toyota GR86 Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Toyota GR86 are $1,392 a year with full coverage. Comprehensive costs an estimated $368 a year, collision insurance costs $640, and liability coverage costs $274. Buying just liability costs as little as $322 a year, and insurance for high-risk drivers costs around $2,996. 16-year-old drivers receive the highest rates at up to $4,848 a year.

Average premium for full coverage: $1,392

Rate estimates broken down by individual coverage type:

Comprehensive $368
Collision $640
Liability $274

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and GR86 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $322 for minimum levels of liability insurance to a high of $2,996 for a policy for a high-risk driver.

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

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The diagram below illustrates how rural and urban location affects insurance prices.

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

These examples demonstrate why it is important to compare rates for a targeted area, rather than using rate 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.

Additional Rate Details

The chart below details average Toyota GR86 insurance rates for other coverage scenarios.

  • The best full coverage rate is $779
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,162 annually
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,392
  • Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,836
  • High-risk insureds with multiple tickets or accidents could pay up to $2,996
  • The cost that insures a teenage driver can cost as much as $4,848 a year

View Chart as Image

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

Auto insurance rates for a Toyota GR86 can also vary considerably based on the trim level of your GR86, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 45% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age

Where you live makes a big difference in Toyota GR86 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $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

Opting for high physical damage deductibles could save up to $680 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $246 extra every year. View Rates by Deductible or Liability Limit

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 Find Low Cost Toyota GR86 Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a review of the coverage data raised in the charts and tables above.

  • You may be able to save approximately $180 per year just by quoting early and online
  • Increasing deductibles can save approximately $675 each year
  • Youthful drivers are the costliest to insure, with premiums as much as $404 per month if the policy includes full coverage
  • Drivers who have several accidents or serious violations could be forced to pay on average $1,600 more annually than a low-risk driver

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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