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 for full coverage. Comprehensive insurance costs an estimated $282 each year, collision costs $548, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing $3,136 or more. Teenage drivers cost the most to insure at $5,452 a year or more.
Average premium for full coverage: $1,440
Policy rates broken down by type of insurance:
Includes $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and 86 models.
Price Range Variability
Using a 40-year-old driver as an example, Toyota 86 insurance rates go from as cheap as $504 for just liability insurance to a high rate of $3,136 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects insurance prices.
The examples above show why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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.
More Rate Details
The chart below shows estimated Toyota 86 insurance rates for other coverage scenarios.
- The best discount rate is $822
- Choosing higher $1,000 deductibles can save approximately $188 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,440
- Using low deductibles for comp and collision coverage costs an additional $368 annually
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,136 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $5,452 each year
Car insurance rates for a Toyota 86 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $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 could be paying $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $560 annually, whereas increasing liability limits will increase premiums. Going 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 prices. A good driver about age 40 could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay 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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied between companies.
| 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 insurance for a Toyota 86 takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a recap of the primary concepts that were raised in the charts and tables above.
- Drivers can save approximately $180 per year simply by quoting online in advance
- Drivers considered higher risk that have major violations or accidents may pay on average $1,700 more annually for 86 insurance
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Teens have the highest car insurance rates, costing up to $454 each month if comprehensive and collision insurance is included
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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