Toyota GR86 Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a Toyota GR86 are $1,392 every 12 months including full coverage. Comprehensive costs around $368, collision insurance costs $640, and liability is estimated at $274. Liability-only coverage costs approximately $322 a year, and high-risk coverage costs around $2,996. 16-year-old drivers cost the most to insure at up to $4,848 a year.

Average premium for full coverage: $1,392

Policy rates for type of insurance:

Comprehensive $368
Collision $640
Liability $274

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different GR86 trim levels.

Price Range Variability

For a driver around age 40, Toyota GR86 insurance rates range from the cheapest price of $322 for just liability coverage to a much higher rate of $2,996 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

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

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, 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 breaks down average Toyota GR86 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $779
  • Choosing higher $1,000 deductibles can save about $230 every year
  • The average price for a good driver age 40 using $500 deductibles is $1,392
  • Buying more expensive low deductibles for comp and collision coverage increases the price to $1,836
  • Unlucky drivers with multiple tickets or accidents could pay at least $2,996
  • Policy cost to insure a teen driver with full coverage can be $4,848 each 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

Insurance rates for a Toyota GR86 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $680 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $246 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance ranges as much as 45% to 129% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota GR86 insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,990 on average in Michigan, New York, and Louisiana.

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
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

Finding cheaper rates on car insurance takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates at every other renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a summary of the concepts that were covered above.

  • Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,600 more every year to buy Toyota GR86 insurance
  • Drivers age 20 and younger are charged the highest rates, with premiums being up to $404 each month if full coverage is included
  • You may be able to save up to $180 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles could save as much as $675 each year
  • You may be able to save up to $180 per year just by shopping early and online

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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