+120 more)
)
Kat Tretina is a personal finance writer for Compare.com, specializing in insurance and debt management. For the past seven years, she’s been writing for several notable personal finance publications, including U.S News & World Report, NerdWallet, Forbes, Yahoo! Finance, Fortune, and more. She’s passionate about using her expertise to help people understand their financial options.
Kat earned her bachelor’s degree in English and Communications from Elizabethtown College and her master’s from West Chester University. She also holds certifications in financial education and student loan counseling.
Kat has been writing for Compare.com since 2025.
)
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The Toyota GR86 is no doubt a blast to drive. It’s lightweight, rear-wheel drive, and has enough horsepower to give you an adrenaline rush. But because it’s a sporty coupe noted for its performance, it can be significantly more expensive to insure than other vehicles.
On average, GR86 drivers pay $3,000 per year for car insurance — about $1,800 more than the national average for all vehicles. That said, you can find cheaper coverage from insurers like Elephant and Direct Auto, with average rates around $220 per month.
We analyzed data from dozens of companies to help you find the right coverage for your Toyota GR86 (and your budget).
Toyota G86 drivers pay an average of $250 per month for car insurance.
Elephant has the cheapest average rates for the GR86, at $220 per month.
A history of speeding tickets or accidents can significantly affect the cost of your Toyota GR86 insurance premiums.
The cost of insuring a Toyota GR86 depends on several factors, including the coverage you choose and coverage limits.
Liability-only insurance is a basic form of coverage that kicks in if you cause an accident and cause damages or injuries to another driver or their passengers. But it doesn’t pay to repair or replace your car.
Full coverage, on the other hand, refers to policies that combine liability insurance with collision and comprehensive insurance, so you have protection for your own vehicle.
The table below shows how much you can expect to pay for liability-only and full coverage policies for the GR86, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Toyota GR86 | $176 | $324 | $250 |
| Subaru BRZ | $142 | $261 | $201 |
| All vehicles | $108 | $193 | $150 |
Toyota GR86 drivers tend to pay significantly higher premiums for both liability-only and full-coverage policies than most other cars. On average, GR86 drivers pay $176 per month for liability insurance and $324 per month for full-coverage policies.
Interestingly, the Subaru BRZ has significantly cheaper average rates despite being virtually the same vehicle as the GR86.
Although rates vary based on your age, gender, driving record, and location, some companies tend to have lower rates than others. We evaluated dozens of companies’ average premiums for the Toyota GR86, and based on our data, we found that the following insurers typically had the lowest rates:
Company | Average Monthly Premium |
|---|---|
| Elephant | $220 |
| Direct Auto | $243 |
| National General | $250 |
| Bristol West | $276 |
| The General | $311 |
On average, policies were cheapest through Elephant, averaging $220 per month, or $2,640 per year.
That said, these insurers may not be the best option for every driver. Comparing quotes from several companies can help you find the cheapest coverage based on your unique profile.
Compare personalized quotes from dozens of top companies.
No insurance company will be the best choice for every driver. At the end of the day, several factors affect rates. And each driver has different wants and needs when it comes to car insurance.
That said, we analyzed average rates, discount programs, customer satisfaction ratings, and coverage options to identify the three best insurance companies for Toyota GR86 owners.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Elephant makes it easy to buy car insurance — and other insurance products, such as homeowners or renters insurance — completely online.
The company also offers several beneficial coverage options for new GR86 owners, including loan or lease payoff insurance, which can help cover the gap between your auto loan balance and the car’s actual cash value if someone steals it or you total it.
And if you modify your GR86 with custom suspension or new wheels, it also offers custom parts and equipment coverage.
Easy online purchasing process
Multiple coverage add-ons and discounts
Loan or lease payoff insurance also available
Only available in seven U.S. states
No 24/7 customer support
Mixed customer reviews
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $97/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $163/mo |
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Direct Auto is part of Allstate, the well-known insurance giant. As the name implies, Direct Auto allows customers to purchase coverage and manage their policies directly from the website.
The company also tends to have cheaper-than-average rates for GR86 drivers. And if you tend to drive fewer-than-average miles and maintain safe driving habits, you may benefit from Direct Auto’s DynamicDrive program, which bases its premiums on your driving habits.
You may also qualify for one of Direct Auto’s other discount programs, like multi-car, autopay, or driver education discounts.
Low-mileage drivers can save with DynamicDrive
Multiple discount programs
Cheaper-than-average rates
Limited availability
Gap insurance not available
Poorly rated mobile app
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers appreciate the informative agents and value but dislike the high costs and poor customer service.
Drivers appreciate the informative agents and value but dislike the high costs and poor customer service.
With the Toyota GR86’s responsive engine and fantastic handling, it’s no surprise that its drivers get in more accidents than drivers of many other vehicles.[1]
If you’re a high-risk driver, meaning you have several speeding tickets, accidents, or a driving under the influence (DUI) conviction on your record, you may need SR-22 coverage, meaning your insurer has to send proof of financial responsibility to your state.
Not all insurers offer SR-22s, but The General does. Plus, you can purchase a policy and get proof of insurance within minutes.
Offers SR-22 coverage
Instant proof of insurance available
Several discount programs
Not available in seven U.S. states
Gap coverage only available in two states
Poor reviews for claims handling
Toyota was highly ranked for reliability in the J.D. Power 2025 U.S. Vehicle Dependability Study.[2] That’s good news for drivers, since it means you can keep your car on the road for years. Older cars tend to be cheaper to insure than newer vehicles since they have lower values.
Below are the average premiums for the Toyota GR86 by model year, according to our research
GR86 Model Year | Average Monthly Premium |
|---|---|
| 2025 | $272 |
| 2024 | $252 |
| 2023 | $250 |
| 2022 | $239 |
On average, it costs $272 per month to insure a 2025 GR86. But if you have a 2022 Toyota GR86, the average premium drops to $239 per month.
Besides your model year, the cost of your premiums also depends on your location.
Your state (and even your ZIP code) can affect your car insurance rates. Insurers consider state insurance requirements, the area’s cost of living and typical repair costs, traffic congestion, and crime rates to determine premiums.
The map below shows what you can expect to pay in each state to insure your GR86, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $147 |
| Arizona | $197 |
| Arkansas | $282 |
| California | $284 |
| Colorado | $231 |
| Connecticut | $448 |
| Delaware | $273 |
| Florida | $288 |
| Georgia | $292 |
| Idaho | $148 |
| Illinois | $184 |
| Indiana | $159 |
| Iowa | $134 |
| Kansas | $181 |
| Kentucky | $288 |
| Louisiana | $266 |
| Maine | $175 |
| Maryland | $406 |
| Massachusetts | $222 |
| Michigan | $345 |
| Minnesota | $222 |
| Mississippi | $222 |
| Missouri | $216 |
| Montana | $179 |
| Nebraska | $207 |
| Nevada | $351 |
| New Hampshire | $135 |
| New Jersey | $234 |
| New Mexico | $170 |
| New York | $567 |
| North Carolina | $110 |
| North Dakota | $170 |
| Ohio | $150 |
| Oklahoma | $191 |
| Oregon | $190 |
| Pennsylvania | $193 |
| Rhode Island | $169 |
| South Carolina | $323 |
| South Dakota | $143 |
| Tennessee | $166 |
| Texas | $262 |
| Utah | $215 |
| Vermont | $160 |
| Virginia | $213 |
| Washington | $165 |
| Washington D.C. | $335 |
| West Virginia | $170 |
| Wisconsin | $150 |
| Wyoming | $143 |
Age is another factor insurers consider when setting their rates. Statistically, teens and young adults are more likely to engage in risky driving behaviors like speeding and are more likely to be in accidents,[3] so they pay a higher rate to compensate for the increased risk of accidents.
The table below shows the average monthly rate for the Toyota GR86 broken down by age group, according to our data.
Teens pay an average of $470 per month for coverage for the Toyota GR86 — more than double the average monthly premium for adults.
But there’s some good news. Senior drivers pay much less for coverage. Their average premium for a GR86 is just $192 per month.
While the Toyota GR86 can go from zero to 60 in about six seconds, think twice before keeping a heavy foot on the accelerator. Your driving record has a substantial effect on your car insurance premiums. If you have incidents like speeding tickets or past accidents on your record, insurers will consider you a riskier driver and charge you a higher premium.
The table below highlights the average cost to insure a Toyota GR86 based on driving record, according to our research.
One speeding ticket can increase your premiums by nearly $100 per month if you drive a GR86. But a DUI will cause your premiums to skyrocket to over $400 per month.
){kind=logo}
The year and model of your vehicle aren’t the only factors affecting your car insurance rates. The Toyota GR86 has some other features and characteristics that can also affect your premium, including:
Body style: Your vehicle type affects your rates. Our data shows that coupes like the GR86 are more expensive to insure than other vehicle types, such as sedans, hatchbacks, or SUVs.
Performance: The GR86’s engine sits low in the chassis, giving it a dynamic, engaging driving experience. That can make it tempting to speed and fly around corners. But unfortunately, insurers typically charge higher rates for sports cars and high-performance vehicles like the GR86 since you’re more likely to be in an accident.[4]
Trim level: The 2025 GR86 has three trim levels to choose from: the base GR86, the mid-level Premium, and the sought-after Hakone Edition. Although the higher trim levels are more expensive, they have some extra safety features that the base model doesn’t (like blind-spot detection) that may help you qualify for discounts.
)
To save money on your car insurance policy for a Toyota GR86, follow these tips:
Sign up for usage-based insurance. Coupe drivers tend to drive fewer-than-average miles each year.[5] As a result, you could slash your premiums by enrolling your GR86 in a usage-based insurance (UBI) policy. Discounts vary, but you could save anywhere from 5% to 40%.
Take a driving course. The GR86 is a fun car to drive, but to save money, consider taking a defensive driving or safe driving course. Some insurers will give you a discount for completing an approved course.
Ask about discounts. The Toyota GR86 has a number of safety features, including a pre-collision braking system, lane-departure warnings, and pre-collision throttle management. As a result, you may be eligible for extra safety feature discounts from your insurer. And, you may qualify for other savings, such as multi-policy discounts, if you have several types of insurance through the same company.
Compare multiple quotes annually. Compare car insurance quotes from several companies at least once per year. Rates can vary by insurer, and they change all the time. So, you may find cheaper coverage from another company.
Compare quotes from dozens of top insurance companies.
Whether you’re thinking about buying a new GR86 or have owned an older model for years, the following information can help you find the right coverage.
Yes. The Toyota GR86 tends to be more expensive to insure than many other vehicles, according to Compare.com data. On average, drivers pay $3,000 per year for coverage. That’s about 67% higher than the average rate for all vehicles.
A liability-only auto policy for the Toyota 86 averages $176 per month, while full-coverage policies average $324, according to our data.
We found that Elephant had the lowest average rates for the Toyota GR86. GR86 owners who choose Elephant pay an average of $220 per month, according to Compare.com data.
On average, drivers pay $272 per month to insure the 2025 Toyota GR86 (or $3,264 per year).
The GR86 is typically the most expensive Toyota model to insure, according to Compare.com data. It’s followed by the Toyota Supra and Crown. All three models have average rates of over $200 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Kat Tretina is a personal finance writer for Compare.com, specializing in insurance and debt management. For the past seven years, she’s been writing for several notable personal finance publications, including U.S News & World Report, NerdWallet, Forbes, Yahoo! Finance, Fortune, and more. She’s passionate about using her expertise to help people understand their financial options.
Kat earned her bachelor’s degree in English and Communications from Elizabethtown College and her master’s from West Chester University. She also holds certifications in financial education and student loan counseling.
Kat has been writing for Compare.com since 2025.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
)
