Toyota 86 Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance rates for a Toyota 86 are $1,484 a year with full coverage. Comprehensive insurance costs approximately $292, collision insurance costs $592, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs $3,238 or more. Teenage drivers receive the highest rates at up to $5,594 a year.
Average premium for full coverage: $1,484
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different 86 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $496 for a discount liability-only rate to a much higher rate of $3,238 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below details average Toyota 86 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $843
- Drivers who choose higher $1,000 deductibles will pay $200 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,484
- Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $392 every year
- Higher-risk drivers who are prone to accidents and violations could pay around $3,238
- The cost that insures a teen driver with full coverage can cost $5,594 a year
Car insurance rates for a Toyota 86 can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,800 to $2,400 extra per year, depending on your age. High-risk driver insurance can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,500 a year. View Rates by Age
Where you live makes a big difference in Toyota 86 insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,010 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,342 | -$142 | -9.6% |
| Alaska | $1,140 | -$344 | -23.2% |
| Arizona | $1,232 | -$252 | -17.0% |
| Arkansas | $1,484 | -$0 | 0.0% |
| California | $1,692 | $208 | 14.0% |
| Colorado | $1,418 | -$66 | -4.4% |
| Connecticut | $1,526 | $42 | 2.8% |
| Delaware | $1,680 | $196 | 13.2% |
| Florida | $1,858 | $374 | 25.2% |
| Georgia | $1,370 | -$114 | -7.7% |
| Hawaii | $1,066 | -$418 | -28.2% |
| Idaho | $1,004 | -$480 | -32.3% |
| Illinois | $1,106 | -$378 | -25.5% |
| Indiana | $1,118 | -$366 | -24.7% |
| Iowa | $1,002 | -$482 | -32.5% |
| Kansas | $1,412 | -$72 | -4.9% |
| Kentucky | $2,024 | $540 | 36.4% |
| Louisiana | $2,198 | $714 | 48.1% |
| Maine | $914 | -$570 | -38.4% |
| Maryland | $1,226 | -$258 | -17.4% |
| Massachusetts | $1,188 | -$296 | -19.9% |
| Michigan | $2,580 | $1,096 | 73.9% |
| Minnesota | $1,242 | -$242 | -16.3% |
| Mississippi | $1,778 | $294 | 19.8% |
| Missouri | $1,318 | -$166 | -11.2% |
| Montana | $1,596 | $112 | 7.5% |
| Nebraska | $1,170 | -$314 | -21.2% |
| Nevada | $1,780 | $296 | 19.9% |
| New Hampshire | $1,068 | -$416 | -28.0% |
| New Jersey | $1,658 | $174 | 11.7% |
| New Mexico | $1,314 | -$170 | -11.5% |
| New York | $1,564 | $80 | 5.4% |
| North Carolina | $854 | -$630 | -42.5% |
| North Dakota | $1,216 | -$268 | -18.1% |
| Ohio | $1,026 | -$458 | -30.9% |
| Oklahoma | $1,524 | $40 | 2.7% |
| Oregon | $1,360 | -$124 | -8.4% |
| Pennsylvania | $1,416 | -$68 | -4.6% |
| Rhode Island | $1,980 | $496 | 33.4% |
| South Carolina | $1,344 | -$140 | -9.4% |
| South Dakota | $1,254 | -$230 | -15.5% |
| Tennessee | $1,302 | -$182 | -12.3% |
| Texas | $1,788 | $304 | 20.5% |
| Utah | $1,100 | -$384 | -25.9% |
| Vermont | $1,016 | -$468 | -31.5% |
| Virginia | $890 | -$594 | -40.0% |
| Washington | $1,148 | -$336 | -22.6% |
| West Virginia | $1,360 | -$124 | -8.4% |
| Wisconsin | $1,028 | -$456 | -30.7% |
| Wyoming | $1,322 | -$162 | -10.9% |
Using high physical damage deductibles could save up to $600 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Toyota 86 | $292 | $592 | $442 | $1,484 |
| 2017 Toyota 86 | $270 | $516 | $456 | $1,400 |
Rates are averaged for all Toyota 86 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Toyota 86 Insurance
Saving money on car insurance not only requires avoiding accidents and violations, but also having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Compare prices every other policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a summary of the ideas that were presented in the illustrations above.
- Teenagers pay the highest auto insurance rates, with premiums as much as $466 per month if full coverage is purchased
- Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,750 more per year for car insurance
- Increasing deductibles can save approximately $600 each year
- You may be able to save around $180 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,594 |
| 20 | $3,458 |
| 30 | $1,550 |
| 40 | $1,484 |
| 50 | $1,356 |
| 60 | $1,332 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,876 |
| $250 | $1,694 |
| $500 | $1,484 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,484 |
| 50/100 | $1,572 |
| 100/300 | $1,683 |
| 250/500 | $1,970 |
| 100 CSL | $1,617 |
| 300 CSL | $1,860 |
| 500 CSL | $2,037 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,992 |
| 20 | $5,516 |
| 30 | $3,308 |
| 40 | $3,238 |
| 50 | $3,092 |
| 60 | $3,066 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $80 |
| Multi-vehicle | $80 |
| Homeowner | $22 |
| 5-yr Accident Free | $112 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $69 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $641 |
Discounts are estimated and may not be available from every company or in every state.
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