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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Estimated insurance rates for a Toyota 86 are $1,484 a year including full coverage. Comprehensive insurance costs an estimated $292 a year, collision insurance costs $592, and liability is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $3,238 or more. Teen drivers pay the most at up to $5,594 a year.
Average premium for full coverage: $1,484
Premium estimates broken down by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and 86 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Toyota 86 range from as low as $496 for minimum levels of liability insurance to a high of $3,238 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.
These rate differences highlight why it is important to compare rates quotes for a targeted area and risk profile, instead of using 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 breaks down average Toyota 86 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $843
- Raising to $1,000 deductibles will save approximately $1,284 every year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,484
- Choosing low $100 deductibles will cost an extra $392 every year
- At-risk drivers with multiple violations and an at-fault accident could pay up to $3,238
- An auto insurance policy for full coverage for a teen driver can cost as much as $5,594
Auto insurance prices for a Toyota 86 also have a wide range based on your driving characteristics, the model of your 86, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,500 a year. View Rates by Age
Where you choose to live also has a big influence on Toyota 86 insurance prices. A middle-age driver might find prices as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,120 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce prices by up to $600 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying $1,800 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 135% more than average. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota 86 | $292 | $592 | $442 | $1,484 |
| 2019 Toyota 86 | $282 | $548 | $452 | $1,440 |
| 2018 Toyota 86 | $270 | $516 | $456 | $1,400 |
| 2017 Toyota 86 | $258 | $464 | $460 | $1,340 |
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
Finding better rates on car insurance consists of having a decent driving record, having good credit, refrain from filing small claims, and consideration of higher deductibles. Set aside time to shop around at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a summary of the concepts that were raised in the charts and tables above.
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,750 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $466 per month if they have full coverage
- You may be able to save approximately $180 per year just by quoting early and online
- Increasing policy deductibles can save around $600 each year
- You may be able to save approximately $180 per year just by quoting 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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