Toyota GR86 Insurance Cost Comparisons for 2023

How expensive are insurance rates for a Toyota GR86?

From the base Coupe trim level to the 10th Anniversary Special Edition trim, we evaluated insurance rates for the 2023 GR86 to see how prices rank against the entire sports car segment.

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  • Toyota GR86 insurance costs an average of $2,034 per year for a full coverage policy, depending on policy limits.
  • The cheapest GR86 insurance is on the base Coupe at around $1,956 per year, with the 10th Anniversary Special Edition costing $2,118 annually.
  • When compared to other 2023 sports car models, the Toyota GR86 is one of the cheaper to insure, costing $378 less per year on average.

How much does Toyota GR86 insurance cost?

Toyota GR86 insurance rates average $2,034 per year. You can expect to pay about $378 less each year for Toyota GR86 insurance compared to similar vehicles, and $349 more per year than the overall national average of $1,685.

Average monthly insurance cost for a 2023 Toyota GR86 is $170, with the base Coupe trim (MSRP of $27,900) being cheapest to insure and the 10th Anniversary Special Edition model (MSRP of $34,360) costing the most to insure.

The chart below breaks down average insurance rates on a Toyota GR86 using a range of different policy rating factors including changes in driver ages, low vs. high-risk drivers, and different policy deductibles.

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Chart Data Details: Average rates are for a 2023 model year Toyota GR86 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Toyota GR86 trim levels.Data last updated on December 29, 2022
Toyota GR86 Insurance Cost Summary
2023 Toyota GR86 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,610$384
Safe Driver Age 20$4,038$337
At-fault Accidents Age 40$2,866$239
Low Deductibles Age 40$2,642$220
Safe Driver Age 30$2,144$179
Safe Driver Age 40$2,034$170
Safe Driver Age 50$1,854$155
Safe Driver Age 60$1,818$152
High Deductibles Age 40$1,722$144
Discount Rate Age 40$1,690$141

The chart above uses an average rate across all GR86 trim levels of $2,034 per year. The table below breaks out the individual trim levels available for the 2023 model year into their own insurance costs.

2023 Toyota GR86 Insurance Cost by Trim Level
Toyota GR86 Trim Level Annual Policy Six-Month Policy Per Month
Base Coupe$1,956$978$163
Premium Coupe$2,030$1,015$169
10th Anniversary Special Edition$2,118$1,059$177

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Table Data Details: Average rates are for a 2023 Toyota GR86, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Toyota GR86 Insurance Cost by Trim Level

Another rate comparison can be made for different GR86 model years. The table below shows the average insurance cost for past and current models. As with most vehicles, older models generally cost less to insure than new models.

Toyota GR86 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Toyota GR86$4,038$2,034$1,818
2022 Toyota GR86$3,836$1,928$1,726

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Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Toyota GR86 Insurance Cost by Model Year

The 2022 model came with a slightly different name, with the GR added to the normal 86 designation. The table below shows average car insurance rates for the original Toyota 86 model, for the 2017 to 2021 model years. More rate information for this model can be found on our Toyota 86 insurance cost page.

Toyota 86 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2021 Toyota 86$3,830$1,920$1,718
2020 Toyota 86$3,782$1,894$1,696
2019 Toyota 86$3,574$1,800$1,610
2018 Toyota 86$3,560$1,790$1,602
2017 Toyota 86$3,516$1,770$1,586

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Toyota 86 Insurance Cost by Model Year

Is it expensive to insure a Toyota GR86?

When compared directly to other popular sports cars, average insurance prices for a Toyota GR86 cost $120 more per year than the Ford Mustang, $626 less than the Dodge Challenger, and $276 less than the Chevrolet Camaro.

For insurance affordability, the Toyota GR86 ranks eighth out of 26 total vehicles for the 2023 model year in the sports car segment. The GR86 averages $2,034 per year for full coverage insurance, while the segment average rate is $2,412 annually, a difference of $378 per year.

The chart displayed below shows how well GR86 insurance rates fare against the top-selling sports cars in the U.S. like the Ford Mustang, Chevy Camaro, and Dodge Challenger. A rate table with all 26 models in the segment is included following the chart.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Toyota GR86, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota GR86 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 29, 2022
Toyota GR86 vs Top 10 Sports Cars Insurance Rate Comparison
Toyota GR86 Insurance Cost Compared to All Sports Cars
Rank Make/Model Insurance Cost Difference
1Mazda MX-5 Miata$1,630-$404
2Audi TT$1,828-$206
3Ford Mustang$1,914-$120
4BMW Z4$1,928-$106
5Subaru WRX$1,948-$86
6Nissan Z$1,978-$56
7Toyota GR Supra$2,010-$24
8Toyota GR86$2,034--
9BMW M2$2,036$2
10Subaru BRZ$2,128$94
11Chevrolet Corvette$2,176$142
12BMW M3$2,224$190
13Lexus RC F$2,270$236
14Porsche 718$2,272$238
15Chevrolet Camaro$2,310$276
16Mercedes-Benz AMG GT53$2,448$414
17Jaguar F-Type$2,534$500
18Porsche Taycan$2,590$556
19BMW M4$2,622$588
20Lexus LC 500$2,652$618
21Dodge Challenger$2,660$626
22Porsche 911$2,890$856
23Acura NSX$3,268$1,234
24Audi R8$3,378$1,344
25Mercedes-Benz SL 55$3,382$1,348
26Mercedes-Benz SL 63$3,600$1,566