Toyota 86 Insurance Rates
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Michelle Robbins
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UPDATED: May 10, 2024
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The average auto insurance rates for a Toyota 86 are $1,440 annually including full coverage. Comprehensive insurance costs around $282 a year, collision insurance costs $548, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs $3,136 or more. 16-year-old drivers cost the most to insure at up to $5,452 a year.
Average premium for full coverage: $1,440
Policy rates for type of insurance:
Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and 86 trim levels.
Price Range Variability
For the normal driver, Toyota 86 insurance rates range from as cheap as $504 for a discount liability-only rate to a high of $3,136 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects auto insurance rates.
The examples above highlight why it is important to get quotes for a specific zip code and their own personal driving habits, rather than relying on rate averages.
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 breaks down average Toyota 86 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $822
- Choosing higher $1,000 deductibles can save about $1,252 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,440
- Buying low $100 deductibles for comp and collision coverage costs an additional $368 a year
- High-risk insureds with multiple tickets or accidents could pay at least $3,136
- Policy cost with full coverage for a teen driver can be $5,452 each year
Car insurance rates for a Toyota 86 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $560 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Toyota 86 insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,050 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,302 | -$138 | -9.6% |
| Alaska | $1,104 | -$336 | -23.3% |
| Arizona | $1,196 | -$244 | -16.9% |
| Arkansas | $1,440 | -$0 | 0.0% |
| California | $1,640 | $200 | 13.9% |
| Colorado | $1,374 | -$66 | -4.6% |
| Connecticut | $1,480 | $40 | 2.8% |
| Delaware | $1,628 | $188 | 13.1% |
| Florida | $1,802 | $362 | 25.1% |
| Georgia | $1,328 | -$112 | -7.8% |
| Hawaii | $1,034 | -$406 | -28.2% |
| Idaho | $974 | -$466 | -32.4% |
| Illinois | $1,074 | -$366 | -25.4% |
| Indiana | $1,084 | -$356 | -24.7% |
| Iowa | $970 | -$470 | -32.6% |
| Kansas | $1,368 | -$72 | -5.0% |
| Kentucky | $1,964 | $524 | 36.4% |
| Louisiana | $2,130 | $690 | 47.9% |
| Maine | $888 | -$552 | -38.3% |
| Maryland | $1,186 | -$254 | -17.6% |
| Massachusetts | $1,150 | -$290 | -20.1% |
| Michigan | $2,502 | $1,062 | 73.8% |
| Minnesota | $1,206 | -$234 | -16.3% |
| Mississippi | $1,724 | $284 | 19.7% |
| Missouri | $1,278 | -$162 | -11.3% |
| Montana | $1,546 | $106 | 7.4% |
| Nebraska | $1,136 | -$304 | -21.1% |
| Nevada | $1,728 | $288 | 20.0% |
| New Hampshire | $1,038 | -$402 | -27.9% |
| New Jersey | $1,610 | $170 | 11.8% |
| New Mexico | $1,276 | -$164 | -11.4% |
| New York | $1,516 | $76 | 5.3% |
| North Carolina | $830 | -$610 | -42.4% |
| North Dakota | $1,180 | -$260 | -18.1% |
| Ohio | $994 | -$446 | -31.0% |
| Oklahoma | $1,478 | $38 | 2.6% |
| Oregon | $1,318 | -$122 | -8.5% |
| Pennsylvania | $1,374 | -$66 | -4.6% |
| Rhode Island | $1,920 | $480 | 33.3% |
| South Carolina | $1,304 | -$136 | -9.4% |
| South Dakota | $1,216 | -$224 | -15.6% |
| Tennessee | $1,260 | -$180 | -12.5% |
| Texas | $1,736 | $296 | 20.6% |
| Utah | $1,066 | -$374 | -26.0% |
| Vermont | $986 | -$454 | -31.5% |
| Virginia | $862 | -$578 | -40.1% |
| Washington | $1,114 | -$326 | -22.6% |
| West Virginia | $1,320 | -$120 | -8.3% |
| Wisconsin | $996 | -$444 | -30.8% |
| Wyoming | $1,282 | -$158 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota 86 | $282 | $548 | $452 | $1,440 |
| 2019 Toyota 86 | $270 | $516 | $456 | $1,400 |
| 2018 Toyota 86 | $258 | $464 | $460 | $1,340 |
| 2017 Toyota 86 | $242 | $426 | $460 | $1,286 |
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 Buy the Cheapest Toyota 86 Insurance
Finding cheaper rates on Toyota 86 insurance takes having a good driving record, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a recap of the ideas that were presented in the illustrations above.
- Drivers age 20 and younger are the costliest to insure, with premiums being up to $454 each month if comprehensive and collision insurance is included
- High-risk drivers that have major violations or accidents may pay on average $1,700 more every year to buy Toyota 86 insurance
- Increasing comprehensive and collision deductibles could save up to $550 each year
- You may be able to save up to $180 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,452 |
| 20 | $3,348 |
| 30 | $1,496 |
| 40 | $1,440 |
| 50 | $1,316 |
| 60 | $1,292 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,808 |
| $250 | $1,636 |
| $500 | $1,440 |
| $1,000 | $1,252 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,440 |
| 50/100 | $1,530 |
| 100/300 | $1,643 |
| 250/500 | $1,937 |
| 100 CSL | $1,576 |
| 300 CSL | $1,824 |
| 500 CSL | $2,005 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,782 |
| 20 | $5,336 |
| 30 | $3,198 |
| 40 | $3,136 |
| 50 | $2,996 |
| 60 | $2,970 |
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 | $77 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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