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 including full coverage. Comprehensive insurance costs an estimated $368 a year, collision costs $640, and liability insurance costs around $274. A liability-only policy costs as low as $322 a year, with high-risk insurance costing $2,996 or more. Teenage 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:

Comprehensive $368
Collision $640
Liability $274

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

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $322 for the bare minimum liability coverage to a high of $2,996 for a driver that may need high-risk insurance.

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

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how where you live affects insurance prices.

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

These examples highlight why it is important to compare prices for a targeted area and risk profile, rather than relying on average rates.

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 Information

The chart below breaks down estimated Toyota GR86 insurance rates for other coverage scenarios.

  • The best discount rate is $779
  • Using higher $1,000 deductibles will save approximately $1,162 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,392
  • Using low $100 deductibles for physical damage coverage will cost an extra $444 a year
  • Drivers who are prone to accidents and violations could pay up to $2,996 or more
  • The cost for full coverage for a teen driver can cost as much as $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

Insurance rates for a Toyota GR86 can also vary considerably based on your driver profile, the model of your GR86, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age

Where you live has a huge impact on Toyota GR86 insurance rates. A driver around age 40 might see rates as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,990 on average in Louisiana, New York, and Michigan.

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

Using high physical damage deductibles could cut rates by as much as $680 each year, while buying higher liability limits will increase premiums. Changing 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 likely paying $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 129% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

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 More Affordable Toyota GR86 Insurance

Saving money on Toyota GR86 insurance requires having a good driving record, maintaining good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop once a year by quoting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The next list is a summary of the data that was touched on in the above illustrations.

  • You may be able to save approximately $180 per year simply by quoting early and online
  • Drivers who want increased levels of liability coverage will pay an extra $300 per year to increase from a minimum limit to 250/500 limits
  • Drivers age 20 and younger are charged the highest rates, as much as $404 per month for full coverage
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,600 more annually to buy Toyota GR86 insurance

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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