Toyota GR86 Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Toyota GR86 are $1,412 a year with full coverage. Comprehensive insurance costs an estimated $382, collision costs $656, and liability costs around $264. Liability-only insurance costs as low as $312 a year, with high-risk driver insurance costing $3,030 or more. Teens cost the most to insure at $4,876 a year or more.
Average premium for full coverage: $1,412
Policy rates broken down by type of insurance:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different GR86 trim levels.
Price Range Variability
For the average driver, Toyota GR86 insurance rates go from as low as $312 for just liability insurance to a much higher rate of $3,030 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The price range example below illustrates how location impacts insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.
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 details estimated Toyota GR86 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $790
- Using higher $1,000 deductibles will save approximately $236 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,412
- Selecting more expensive low deductibles for physical damage coverage will cost an extra $456 annually
- High-risk insureds with serious driving violations could pay up to $3,030 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,876 or more
Auto insurance rates for a Toyota GR86 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
An older driver with a good driving record 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 will have to pay at least $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 $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,900 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,276 | -$136 | -9.6% |
| Alaska | $1,080 | -$332 | -23.5% |
| Arizona | $1,170 | -$242 | -17.1% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,346 | -$66 | -4.7% |
| Connecticut | $1,448 | $36 | 2.5% |
| Delaware | $1,596 | $184 | 13.0% |
| Florida | $1,762 | $350 | 24.8% |
| Georgia | $1,302 | -$110 | -7.8% |
| Hawaii | $1,012 | -$400 | -28.3% |
| Idaho | $954 | -$458 | -32.4% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,062 | -$350 | -24.8% |
| Iowa | $952 | -$460 | -32.6% |
| Kansas | $1,338 | -$74 | -5.2% |
| Kentucky | $1,920 | $508 | 36.0% |
| Louisiana | $2,088 | $676 | 47.9% |
| Maine | $868 | -$544 | -38.5% |
| Maryland | $1,164 | -$248 | -17.6% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,448 | $1,036 | 73.4% |
| Minnesota | $1,180 | -$232 | -16.4% |
| Mississippi | $1,692 | $280 | 19.8% |
| Missouri | $1,250 | -$162 | -11.5% |
| Montana | $1,514 | $102 | 7.2% |
| Nebraska | $1,110 | -$302 | -21.4% |
| Nevada | $1,692 | $280 | 19.8% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,574 | $162 | 11.5% |
| New Mexico | $1,248 | -$164 | -11.6% |
| New York | $1,484 | $72 | 5.1% |
| North Carolina | $812 | -$600 | -42.5% |
| North Dakota | $1,154 | -$258 | -18.3% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,446 | $34 | 2.4% |
| Oregon | $1,294 | -$118 | -8.4% |
| Pennsylvania | $1,344 | -$68 | -4.8% |
| Rhode Island | $1,880 | $468 | 33.1% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,190 | -$222 | -15.7% |
| Tennessee | $1,234 | -$178 | -12.6% |
| Texas | $1,698 | $286 | 20.3% |
| Utah | $1,044 | -$368 | -26.1% |
| Vermont | $962 | -$450 | -31.9% |
| Virginia | $846 | -$566 | -40.1% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,296 | -$116 | -8.2% |
| Wisconsin | $976 | -$436 | -30.9% |
| Wyoming | $1,254 | -$158 | -11.2% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $700 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $237 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can be from 45% to 127% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company calculates rates differently, and quoted rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota GR86 | $398 | $660 | $258 | $1,426 |
| 2023 Toyota GR86 | $382 | $656 | $264 | $1,412 |
| 2022 Toyota GR86 | $368 | $640 | $274 | $1,392 |
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 Affordable Toyota GR86 Insurance
Finding cheaper rates on insurance for a Toyota GR86 requires being a good driver, having good credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a brief review of the information touched on above.
- You may be able to save approximately $180 per year simply by shopping early and online
- Drivers age 16 to 20 are the costliest to insure, as much as $406 each month if they have full coverage
- Increasing comprehensive and collision deductibles can save around $700 each year
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,620 more annually than a safer driver
- Insureds who want an increased level of liability coverage will pay approximately $290 every year to increase from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,876 |
| 20 | $3,208 |
| 30 | $1,496 |
| 40 | $1,412 |
| 50 | $1,284 |
| 60 | $1,258 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,868 |
| $250 | $1,656 |
| $500 | $1,412 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,465 |
| 100/300 | $1,531 |
| 250/500 | $1,702 |
| 100 CSL | $1,491 |
| 300 CSL | $1,636 |
| 500 CSL | $1,742 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,030 |
| 20 | $5,102 |
| 30 | $3,126 |
| 40 | $3,030 |
| 50 | $2,884 |
| 60 | $2,858 |
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 | $78 |
| Multi-vehicle | $71 |
| Homeowner | $18 |
| 5-yr Accident Free | $113 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $72 |
| Advance Quote | $73 |
| Online Quote | $104 |
| Total Discounts | $622 |
Discounts are estimated and may not be available from every company or in every state.
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