Chevrolet Camaro vs Toyota GR86 Insurance Cost
The Toyota GR86 is cheaper to insure by about $150 a year for full coverage by our estimate ($2,245 vs. $2,095), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Chevrolet Camaro | Toyota GR86 | Difference |
|---|---|---|---|
| State minimum | $825 | $670 | +$155 |
| Standard (100/300/100) | $1,195 | $970 | +$225 |
| Full coverage | $2,245 | $2,095 | +$150 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Camaro minus GR86.
Why one costs more to insure
| Factor | Chevrolet Camaro | Toyota GR86 |
|---|---|---|
| Segment | Sports car | Sports car |
| Powertrains | Gasoline | Gasoline |
| HLDI collision (100 = avg) | 158 | 191 |
| HLDI comprehensive | 227 | 116 |
| HLDI property damage liability | 133 | 102 |
| HLDI bodily injury liability | 169 | 112 |
| NHTSA overall rating | 5★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 1 | 1 |
Collision losses are the biggest swing factor: the Toyota GR86 has 33 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Toyota GR86.
Camaro vs GR86 insurance by state
By driver profile (full coverage)
| Driver | Camaro | GR86 |
|---|---|---|
| Teen driver (18, own policy) | $6,180 | $5,755 |
| Young adult (22) | $3,595 | $3,350 |
| Adult in their 30s | $2,245 | $2,095 |
| Adult in their 50s | $2,065 | $1,925 |
| Senior (72) | $2,515 | $2,345 |
| 30s, one at-fault accident | $3,255 | $3,035 |
| 30s, DUI on record | $4,155 | $3,870 |
More comparisons
Frequently asked questions
Is the Chevrolet Camaro or the Toyota GR86 cheaper to insure?
By our estimate the Toyota GR86 is cheaper, by about $150 a year for full coverage ($2,245 vs. $2,095) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Chevrolet Camaro and Toyota GR86?
Mostly because of insurance-loss history: HLDI collision indices of 158 vs. 191 and comprehensive indices of 227 vs. 116 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.