GR86 Insurance Cost: Average Rates & What Drives Them

The GR86 is a small, rear-wheel-drive sports coupe built to be fun at a modest price. Insurers care about the second half of that sentence less than the first. A low sticker price helps a premium, but a performance car with a younger owner base often draws higher rates than a commuter sedan of the same value.

If you are shopping for a GR86 or comparing it with other budget sports cars, this page gives the published averages and the usual reasons they move. Real quotes will depend on your age, record and ZIP code.

Full coverage is the number most drivers care about, because it protects your own car after a crash, theft or storm. Minimum coverage costs much less, and the table above shows the gap, but it only pays for damage and injuries you cause to others. If you finance the car, the lender will almost certainly require full coverage.

Two publishers report different annual figures for the GR86, and the gap between them is large.

The second source lists the car under a separate GR 86 name and produces a much higher average than the first. Different sample drivers, deductibles and quote mixes can account for that kind of gap, and one source may lean toward younger or riskier drivers. Use the range for planning and ask for quotes before you commit.

A newer GR86 costs more to replace, so recent years tend to cost more to insure.

The three years shown are close together, and the newest is the highest.

The company you choose matters a lot for a sports car, because insurers disagree about how risky one is.

GEICO is the lowest of the three here, Travelers is next and State Farm is higher. For a younger driver in particular, the order can change completely, so quote several companies. Parent policies, student discounts and telematics programs can all lower the number for a first-time owner.

Weather, theft, congestion and legal costs differ by state, and so do the rates.

Louisiana is far above California in this comparison, and Florida is well above California too. If you are moving soon, compare quotes using the new address before you buy.

• Driver age and experience. Young drivers pay the most, and the effect fades with clean years of driving.
• Horsepower and performance reputation, which insurers use as a proxy for risk.
• Claims history and any recent tickets.
• Repair cost for the specific car, including how easily parts can be sourced.
• Modifications. Aftermarket changes to engine, suspension or wheels can affect coverage, and some policies exclude parts that are not declared. Tell your insurer about anything you change.
• Track use. Standard auto policies commonly exclude racing and timed track events, so ask before you enter one.

A higher deductible lowers the premium, as long as you could pay it after a claim. Bundling with renters or home insurance, completing a defensive driving course where it earns a discount, and staying claim free can each help. If you are a student or a young driver on a family plan, ask the agent whether the GR86 changes the family premium much, since adding a performance car can move the total more than adding a sedan would.

Ask a licensed insurance agent about the limits and deductibles that make sense for your budget and your loan.