Toyota 86 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 10, 2024
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U.S. average insurance prices for a Toyota 86 are $1,440 every 12 months for full coverage. Comprehensive costs an estimated $282, collision insurance costs $548, and liability costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $3,136. Teen drivers pay the highest rates at up to $5,452 a year.
Average premium for full coverage: $1,440
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all 86 models.
Price Range from Low to High
For a driver around age 40, Toyota 86 insurance prices range from the cheapest price of $504 for minimum levels of liability insurance to the much higher price of $3,136 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can make a big difference on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above show why everyone should compare rates for a targeted area and their own driving history, instead of making a decision based on price 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.
Additional Rate Details
The chart below shows average Toyota 86 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $822
- Drivers who choose higher $1,000 deductibles will pay approximately $188 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,440
- Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,808
- Drivers with multiple violations and an at-fault accident could pay up to $3,136
- The price to insure a 16-year-old driver for full coverage can cost as much as $5,452 a year
Insurance prices for a Toyota 86 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $560 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $5,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,700 to $2,400 additional each year, depending on your age. Toyota 86 insurance for high-risk drivers can cost from 44% to 132% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Toyota 86 insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,050 on average in New York, Louisiana, and Michigan.
| 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 Shop for Cheaper Toyota 86 Insurance
Getting lower rates on insurance for a Toyota 86 not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a condensed summary of the data that was covered above.
- Drivers can save approximately $180 per year just by quoting online well ahead of the renewal date
- Insureds who want increased liability limits will pay about $500 each year to go from a low limit to a 250/500 level
- Drivers under the age of 20 are expensive to insure, with premiums as much as $454 a month if full coverage is included
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,700 more annually to insure a Toyota 86
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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