Insurance premiums for a Toyota GR86 average $217 monthly for full coverage and $112 for minimum coverage. Depending on the trim and model year, costs can range from $101 to $248 monthly.
Toyota GR86 Insurance Cost
Updated: May 18, 2026
Key Takeaways
GEICO offers the most affordable Toyota GR86 insurance on average, though full coverage costs vary widely by model year and insurer, with most drivers paying $217 a month. Read more.
Among sports cars, the GR86 ranks 32nd out of 115 for insurance affordability, a relatively low position for its vehicle type. Sports cars tend to cost more to insure due to higher performance and repair costs. Read more.
For the most accurate rates, pull costs for your GR86's model year and driver ages, especially if a teen driver is on your policy. Read MoneyGeek's analysis of rates by company for specific GR86 model years depending on the age of the drivers.
How Much Is Toyota GR86 Insurance?
| Toyota Gr86 | $112 | $217 |
Looking for another Toyota model? Read more about the cost of Toyota car insurance models.
Your Toyota GR86's age directly impacts what you'll pay for insurance, with older models costing around $78 monthly while the newest versions can reach $324. This happens because newer GR86s have higher market values, making them more expensive to replace or repair.
Insurance costs for a Toyota GR86 depend on model year and company. Full coverage runs from $155 a month with GEICO to $426 with AIG, while minimum coverage runs from $71 with GEICO to $189 with Farmers.
Toyota GR86 owners can save by comparing insurers. Minimum coverage varies by more than $118 across companies and full coverage by more than $271, because each insurer calculates risk differently for the GR86.
| AAA | $137 | $285 |
| AIG | $170 | $426 |
| Allstate | $134 | $258 |
| Amica | $162 | $333 |
| Chubb | $153 | $308 |
| Farmers | $189 | $337 |
| Geico | $71 | $155 |
| Kemper | $120 | $249 |
| Nationwide | $120 | $208 |
| Progressive | $112 | $210 |
| State Farm | $101 | $211 |
| The Hartford | $114 | $195 |
| Travelers | $92 | $172 |
| UAIC | $160 | $201 |
Is Toyota GR86 Expensive to Insure?
MoneyGeek's analysis of 115 sports cars shows the Toyota GR86 ranking 32nd for insurance affordability, with 31 vehicles costing less to insure. It's positioned between the slightly cheaper Jaguar F-Type and the marginally pricier BMW Z4 M.
Compared to all vehicles in our database, the Toyota GR86 falls in the more affordable half for insurance costs. The Mazda MX-5 Miata claims the cheapest sports car spot, while the Rolls Royce La Rose Noire commands the highest premiums.
| Mercedes SLK-Class | $162 | 29 |
| Subaru BRZ | $163 | 30 |
| Jaguar F-Type | $164 | 31 |
| Toyota GR86 | $165 | 32 |
| BMW Z4 M | $167 | 33 |
| Lotus Evora | $170 | 34 |
| BMW M6 | $173 | 35 |
Several factors affect what you'll pay for Toyota GR86 insurance:
- Average repair or replacement costs: Toyota GR86 repair costs average $726 annually, ranking as the 14th most affordable model to maintain out of Toyota's 32 vehicles. This low maintenance expense helps keep insurance premiums lower compared to other sports cars.
- Vehicle trim, features and accessories: The GR86's performance capabilities include 228 horsepower and 0-60 mph acceleration in 6.1 seconds with sporty handling characteristics. These performance features push insurance premiums higher, as insurers treat enhanced power and speed as increased risk.
- Driver profile: Most Toyota GR86 drivers fall between ages 25 to 35 with a median age around 30, and younger demographics usually carry higher insurance rates. The vehicle's performance reputation also attracts risk-taking behaviors that insurers price into premiums. Read more about the costs of Toyota GR86s for young drivers.
Toyota GR86 Costs by Model Year and Driver Age by Insurance Company
Your Toyota GR86's model year affects insurance premiums, with newer vehicles carrying higher rates than older ones. A 35- to 55-year-old driver pays an average of $263 a month for full coverage on a 2025 GR86 compared to $226 for a 2022 model. Teen drivers and those in their early twenties pay considerably more across all model years.
GEICO offers the most affordable rates across all GR86 model years and can save drivers hundreds monthly compared to average premiums. Comparing insurers is the best way to reduce your sports car insurance costs.
Recent model years:
Cost of Car Insurance for 2025 Toyota GR86
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
2025 Toyota GR86 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $814 | $716 | $634 | $547 | $483 | $411 | $373 | $333 | $305 | $269 |
| Geico | $935 | $684 | $574 | $417 | $359 | $290 | $267 | $221 | $209 | $190 |
| Nationwide | $970 | $887 | $817 | $693 | $586 | $380 | $353 | $329 | $311 | $278 |
| Travelers | $1,103 | $808 | $645 | $498 | $445 | $311 | $286 | $265 | $247 | $206 |
| Allstate | $1,302 | $1,019 | $822 | $607 | $544 | $423 | $384 | $363 | $342 | $303 |
| Progressive | $1,651 | $1,337 | $1,109 | $617 | $539 | $434 | $387 | $345 | $318 | $273 |
| Farmers | $2,262 | $1,672 | $1,486 | $916 | $863 | $654 | $584 | $558 | $530 | $445 |
Cost of Car Insurance for 2024 Toyota GR86
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
2024 Toyota GR86 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $787 | $692 | $612 | $529 | $467 | $397 | $361 | $322 | $295 | $260 |
| Geico | $904 | $661 | $555 | $403 | $347 | $280 | $258 | $214 | $202 | $183 |
| Nationwide | $937 | $858 | $790 | $670 | $566 | $368 | $341 | $318 | $300 | $269 |
| Travelers | $1,066 | $781 | $623 | $481 | $430 | $301 | $276 | $256 | $238 | $199 |
| Allstate | $1,259 | $985 | $794 | $587 | $526 | $409 | $371 | $351 | $330 | $293 |
| Progressive | $1,596 | $1,292 | $1,072 | $597 | $521 | $420 | $374 | $334 | $307 | $264 |
| Farmers | $2,186 | $1,616 | $1,436 | $885 | $834 | $632 | $564 | $539 | $513 | $430 |
Cost of Car Insurance for 2023 Toyota GR86
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
2023 Toyota GR86 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $814 | $716 | $633 | $547 | $483 | $410 | $373 | $333 | $305 | $268 |
| Geico | $853 | $624 | $524 | $380 | $327 | $265 | $244 | $202 | $191 | $173 |
| Nationwide | $963 | $882 | $812 | $689 | $582 | $378 | $350 | $327 | $309 | $277 |
| Travelers | $1,081 | $789 | $629 | $485 | $432 | $303 | $279 | $259 | $240 | $201 |
| Allstate | $1,223 | $959 | $773 | $570 | $510 | $398 | $361 | $342 | $322 | $285 |
| Progressive | $1,475 | $1,190 | $987 | $548 | $478 | $386 | $344 | $307 | $282 | $243 |
| Farmers | $2,104 | $1,556 | $1,383 | $853 | $804 | $609 | $544 | $519 | $494 | $415 |
Cost of Car Insurance for 2022 Toyota GR86
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
2022 Toyota GR86 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $735 | $647 | $572 | $494 | $436 | $371 | $337 | $301 | $275 | $242 |
| Geico | $771 | $563 | $473 | $344 | $296 | $239 | $220 | $182 | $172 | $156 |
| Nationwide | $870 | $797 | $733 | $623 | $526 | $341 | $317 | $295 | $279 | $250 |
| Travelers | $976 | $713 | $568 | $438 | $391 | $274 | $252 | $233 | $217 | $182 |
| Allstate | $1,105 | $867 | $698 | $514 | $461 | $360 | $326 | $308 | $291 | $257 |
| Progressive | $1,332 | $1,075 | $891 | $495 | $431 | $349 | $311 | $277 | $255 | $219 |
| Farmers | $1,900 | $1,406 | $1,249 | $770 | $726 | $550 | $491 | $469 | $446 | $375 |
Toyota GR86 Insurance Cost by Trim
Insurance costs for your Toyota GR86 vary by trim, from $104 a month for minimum coverage on Premium Coupe 2d models to $248 for full coverage on Hakone Edition variants. Performance features, rarity and market value drive the cost difference across trims.
| Premium Coupe 2d | $104 | $202 |
| Coupe 2d | $104 | $203 |
| Gr86 | $106 | $206 |
| Premium | $116 | $225 |
| 10th Anniversary Special Edition Coupe 2d | $119 | $232 |
| Trueno Edition | $124 | $241 |
| Hakone Edition | $127 | $248 |
Toyota GR86 Insurance Cost by State
Car insurance for a Toyota GR86 costs anywhere from $41 a month in Wyoming to $219 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations drive these differences, not the vehicle itself.
| Alabama | $110 | $209 |
| Alaska | $79 | $169 |
| Arizona | $170 | $314 |
| Arkansas | $100 | $223 |
| California | $107 | $216 |
| Colorado | $112 | $267 |
| Connecticut | $148 | $255 |
| Delaware | $153 | $257 |
| Florida | $132 | $309 |
| Georgia | $157 | $259 |
| Hawaii | $57 | $128 |
| Idaho | $64 | $133 |
| Illinois | $105 | $196 |
| Indiana | $77 | $151 |
| Iowa | $68 | $163 |
| Kansas | $85 | $200 |
| Kentucky | $134 | $228 |
| Louisiana | $219 | $457 |
| Maine | $62 | $131 |
| Maryland | $167 | $283 |
| Massachusetts | $115 | $245 |
| Michigan | $190 | $373 |
| Minnesota | $94 | $200 |
| Mississippi | $114 | $220 |
| Missouri | $141 | $280 |
| Montana | $89 | $211 |
| Nebraska | $86 | $194 |
| Nevada | $194 | $350 |
| New Hampshire | $86 | $153 |
| New Jersey | $175 | $289 |
| New Mexico | $94 | $210 |
| New York | $128 | $229 |
| North Carolina | $98 | $192 |
| North Dakota | $79 | $171 |
| Ohio | $88 | $172 |
| Oklahoma | $113 | $253 |
| Oregon | $133 | $232 |
| Pennsylvania | $101 | $237 |
| Rhode Island | $144 | $257 |
| South Carolina | $111 | $207 |
| South Dakota | $67 | $205 |
| Tennessee | $90 | $183 |
| Texas | $138 | $285 |
| Utah | $118 | $202 |
| Vermont | $58 | $139 |
| Virginia | $102 | $165 |
| Washington | $101 | $189 |
| West Virginia | $97 | $198 |
| Wisconsin | $80 | $178 |
| Wyoming | $41 | $135 |
How to Lower the Cost of Toyota GR86 Insurance
We've compiled proven strategies to help you find better rates on Toyota GR86 insurance:
- 1Choose the right coverage
Choose how much coverage to buy for your Toyota GR86 based on whether you own, finance or lease the vehicle. Own your sports car outright? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Go with 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Know the average auto insurance costs for sports cars like your GR86 so you have a baseline for what a fair rate looks like. That makes it easier to spot genuine savings when comparing the cheapest car insurance companies. Performance vehicles cost more to insure than standard cars, so understanding the typical price range upfront helps you avoid overpaying.
- 3Look for more than just low rates
Pick car insurance by evaluating insurers beyond their quotes alone. Look at J.D. Power satisfaction ratings, forum discussions about claims processing, Better Business Bureau complaints and AM Best financial stability ratings. Budget insurers may offer limited coverage options or slower claims service when you need them most.
- 4Ask about qualifying discounts
Toyota GR86 owners may qualify for several car insurance discounts that bring down premiums. Good driver discounts, safety feature discounts for advanced driver assistance systems, bundling savings when combining auto and home policies, and anti-theft discounts for factory security systems are all worth asking about.
- 5Find alternative car insurance types
Usage-based insurance programs like Progressive Snapshot or Allstate Drivewise can help GR86 owners lower insurance costs. These programs track driving habits and reduce premiums for safe driving. If you use your sports car occasionally or mainly on weekends, they can offer noticeable savings compared to traditional policies.
- 6Check rates every year
Pull car insurance quotes from multiple companies every year to make sure you're getting the best deal. Your current insurer won't notify you when competitors lower their prices, so annual comparisons can save up to 24% on your Toyota GR86 insurance. Set a calendar reminder before each policy renewal to compare rates.
Toyota GR86 Insurance Cost: Bottom Line
Toyota GR86 insurance costs more than average, but you can still find decent rates. Compare quotes from multiple companies, look into discounts and consider different coverage options to find a lower rate.
Toyota GR86 Insurance Rates: FAQ
What is the average cost of car insurance for a Toyota GR86?
Toyota GR86 insurance costs $1,343 annually for minimum coverage and $2,610 for full coverage. This sports car runs about $165 monthly on average.
What company has the cheapest car insurance for a Toyota GR86?
GEICO provides the most affordable minimum coverage for a Toyota GR86 at $849 annually. The insurer also offers the best value for full coverage at $1,857 per year.
Is Toyota GR86 insurance expensive?
No, Toyota GR86 insurance is not expensive compared to most vehicles. The GR86 ranks 591st out of 827 models for affordability, placing it in the more affordable half of all vehicles we track.
What factors affect Toyota GR86 insurance costs?
Multiple factors affect Toyota GR86 insurance costs. The sports car's high-performance capabilities increase accident risk, while specialized parts make repairs more expensive. Your driving record, credit score and coverage selections also push premiums up or down, on top of these vehicle-specific risk factors.
How can I lower Toyota GR86 insurance costs?
Compare quotes from several insurers, as Toyota GR86 costs vary considerably between companies, and look into usage-based programs that monitor your driving behavior. Claim available discounts, bundle with other policies and maintain a clean driving record to get better rates.
How We Determined Toyota GR86 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Toyota GR86 insurance costs.
Who We Based These Rates On
These Toyota GR86 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.