Toyota GR86 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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Average insurance rates for a Toyota GR86 are $1,392 a year for full coverage insurance. Comprehensive insurance costs an estimated $368 each year, collision costs $640, and liability costs $274. A liability-only policy costs as little as $322 a year, with high-risk insurance costing $2,996 or more. 16-year-old drivers receive the highest rates at $4,848 a year or more.
Average premium for full coverage: $1,392
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and GR86 models.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $322 for just liability coverage to a high rate of $2,996 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than congested cities.
The graphic below illustrates how location impacts insurance prices.
These examples illustrate why all drivers should compare rates for a targeted area and risk profile, instead of 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.
Detailed Rate Analysis
The chart below illustrates estimated 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 $230 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,392
- Buying low deductibles for comprehensive and collision insurance will cost an extra $444 every year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,996 or more
- The cost for full coverage for a teen driver can cost as much as $4,848 a year
Insurance rates for a Toyota GR86 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age
Where you live makes a big difference in Toyota GR86 insurance prices. A 40-year-old driver could pay as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,880 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $680 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $246 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 129% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, so the rates can be significantly different from one company to the next.
| 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 Affordable Toyota GR86 Insurance
Saving money on car insurance not only requires being a good driver, but also maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around every other policy renewal by requesting rates from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following list is a brief review of the ideas that were touched on above.
- Drivers age 16 to 20 are charged the highest rates, costing up to $404 per month for full coverage
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,600 more annually than a safer driver
- Increasing deductibles can save around $675 each year
- It is possible to save approximately $180 per year simply by quoting online in advance
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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