Estimates, not quotes

Ford Mustang vs Toyota GR86 Insurance Cost

The Ford Mustang is cheaper to insure by about $230 a year for full coverage by our estimate ($1,865 vs. $2,095), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageFord MustangToyota GR86Difference
State minimum$565$670−$105
Standard (100/300/100)$820$970−$150
Full coverage$1,865$2,095−$230

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Mustang minus GR86.

Why one costs more to insure

FactorFord MustangToyota GR86
SegmentSports carSports car
PowertrainsGasolineGasoline
HLDI collision (100 = avg)184191
HLDI comprehensive115116
HLDI property damage liability81102
HLDI bodily injury liability—112
NHTSA overall rating5★—
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)181

Collision losses are the biggest swing factor: the Toyota GR86 has 7 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Mustang vs GR86 insurance by state

StateMustangGR86Difference
Alabama$1,670$1,865−$195
Alaska$1,665$1,865−$200
Arizona$1,920$2,160−$240
Arkansas$1,705$1,900−$195
California$1,925$2,155−$230
Colorado$2,080$2,325−$245
Connecticut$1,950$2,200−$250
Delaware$1,985$2,255−$270
District of Columbia$2,400$2,690−$290
Florida$2,485$2,830−$345
Georgia$2,210$2,505−$295
Hawaii$1,350$1,510−$160
Idaho$1,275$1,430−$155
Illinois$1,645$1,845−$200
Indiana$1,350$1,510−$160
Iowa$1,300$1,440−$140
Kansas$1,510$1,680−$170
Kentucky$1,545$1,740−$195
Louisiana$2,535$2,850−$315
Maine$1,220$1,365−$145
Maryland$2,075$2,335−$260
Massachusetts$1,870$2,095−$225
Michigan$2,075$2,325−$250
Minnesota$1,565$1,745−$180
Mississippi$1,800$2,015−$215
Missouri$1,695$1,895−$200
Montana$1,510$1,675−$165
Nebraska$1,515$1,685−$170
Nevada$2,020$2,300−$280
New Hampshire$1,370$1,535−$165
New Jersey$2,165$2,455−$290
New Mexico$1,685$1,885−$200
New York$2,415$2,735−$320
North Carolina$1,470$1,635−$165
North Dakota$1,250$1,380−$130
Ohio$1,360$1,520−$160
Oklahoma$1,710$1,905−$195
Oregon$1,610$1,825−$215
Pennsylvania$1,680$1,875−$195
Rhode Island$2,210$2,495−$285
South Carolina$1,905$2,155−$250
South Dakota$1,455$1,605−$150
Tennessee$1,600$1,785−$185
Texas$2,220$2,480−$260
Utah$1,645$1,860−$215
Vermont$1,285$1,425−$140
Virginia$1,610$1,805−$195
Washington$1,585$1,790−$205
West Virginia$1,590$1,775−$185
Wisconsin$1,290$1,440−$150
Wyoming$1,500$1,655−$155

By driver profile (full coverage)

DriverMustangGR86
Teen driver (18, own policy)$5,125$5,755
Young adult (22)$2,980$3,350
Adult in their 30s$1,865$2,095
Adult in their 50s$1,715$1,925
Senior (72)$2,085$2,345
30s, one at-fault accident$2,700$3,035
30s, DUI on record$3,445$3,870

More comparisons

Frequently asked questions

Is the Ford Mustang or the Toyota GR86 cheaper to insure?

By our estimate the Ford Mustang is cheaper, by about $230 a year for full coverage ($1,865 vs. $2,095) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Mustang and Toyota GR86?

Mostly because of insurance-loss history: HLDI collision indices of 184 vs. 191 and comprehensive indices of 115 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.

Sources used on this page