Toyota 86 Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance rates for a Toyota 86 are $1,510 a year for full coverage insurance. Comprehensive insurance costs around $310, collision costs $612, and liability costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing $3,286 or more. Teenage drivers receive the highest rates at $5,640 a year or more.
Average premium for full coverage: $1,510
Rate estimates for individual coverage type:
Price estimates include $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all 86 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $486 for liability-only coverage to the much higher price of $3,286 for a driver that may need high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities.
The example below illustrates how your location can change auto insurance rates.
These examples illustrate why everyone should compare rates for a specific zip code and risk profile, 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.
Additional Charts and Tables
The chart below illustrates estimated Toyota 86 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $857
- Drivers who choose higher $1,000 deductibles will pay about $208 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,510
- Using pricier low deductibles for comprehensive and collision insurance will cost an extra $410 every year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,286 or more
- The cost for full coverage for a teen driver for full coverage can be $5,640 a year
Insurance rates for a Toyota 86 can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $5,600 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 $990 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,040 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,366 | -$144 | -9.5% |
| Alaska | $1,160 | -$350 | -23.2% |
| Arizona | $1,252 | -$258 | -17.1% |
| Arkansas | $1,510 | -$0 | 0.0% |
| California | $1,720 | $210 | 13.9% |
| Colorado | $1,444 | -$66 | -4.4% |
| Connecticut | $1,554 | $44 | 2.9% |
| Delaware | $1,710 | $200 | 13.2% |
| Florida | $1,888 | $378 | 25.0% |
| Georgia | $1,394 | -$116 | -7.7% |
| Hawaii | $1,084 | -$426 | -28.2% |
| Idaho | $1,022 | -$488 | -32.3% |
| Illinois | $1,124 | -$386 | -25.6% |
| Indiana | $1,138 | -$372 | -24.6% |
| Iowa | $1,018 | -$492 | -32.6% |
| Kansas | $1,436 | -$74 | -4.9% |
| Kentucky | $2,060 | $550 | 36.4% |
| Louisiana | $2,236 | $726 | 48.1% |
| Maine | $930 | -$580 | -38.4% |
| Maryland | $1,246 | -$264 | -17.5% |
| Massachusetts | $1,210 | -$300 | -19.9% |
| Michigan | $2,624 | $1,114 | 73.8% |
| Minnesota | $1,264 | -$246 | -16.3% |
| Mississippi | $1,808 | $298 | 19.7% |
| Missouri | $1,340 | -$170 | -11.3% |
| Montana | $1,622 | $112 | 7.4% |
| Nebraska | $1,190 | -$320 | -21.2% |
| Nevada | $1,808 | $298 | 19.7% |
| New Hampshire | $1,088 | -$422 | -27.9% |
| New Jersey | $1,688 | $178 | 11.8% |
| New Mexico | $1,336 | -$174 | -11.5% |
| New York | $1,592 | $82 | 5.4% |
| North Carolina | $870 | -$640 | -42.4% |
| North Dakota | $1,238 | -$272 | -18.0% |
| Ohio | $1,042 | -$468 | -31.0% |
| Oklahoma | $1,550 | $40 | 2.6% |
| Oregon | $1,384 | -$126 | -8.3% |
| Pennsylvania | $1,440 | -$70 | -4.6% |
| Rhode Island | $2,014 | $504 | 33.4% |
| South Carolina | $1,368 | -$142 | -9.4% |
| South Dakota | $1,274 | -$236 | -15.6% |
| Tennessee | $1,322 | -$188 | -12.5% |
| Texas | $1,820 | $310 | 20.5% |
| Utah | $1,118 | -$392 | -26.0% |
| Vermont | $1,034 | -$476 | -31.5% |
| Virginia | $906 | -$604 | -40.0% |
| Washington | $1,168 | -$342 | -22.6% |
| West Virginia | $1,384 | -$126 | -8.3% |
| Wisconsin | $1,046 | -$464 | -30.7% |
| Wyoming | $1,346 | -$164 | -10.9% |
Using high physical damage deductibles could save up to $620 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,800 to $2,500 extra per year, depending on your age. Toyota 86 insurance for high-risk drivers can cost as much as 44% to 133% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Toyota 86 | $310 | $612 | $430 | $1,510 |
| 2017 Toyota 86 | $282 | $548 | $452 | $1,440 |
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 Cheaper Toyota 86 Insurance
Saving money on car insurance not only requires having a good driving record, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around once a year by getting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a condensed summary of the data that was illustrated above.
- It is possible to save up to $190 per year simply by quoting online well ahead of the renewal date
- Policyholders who may need increased levels of liability coverage will pay an extra $470 annually to go from a minimum limit to 250/500 limits
- Drivers age 20 and younger pay higher rates, costing up to $470 per month for full coverage
- Higher risk drivers with multiple at-fault accidents may pay on average $1,780 more every year to buy Toyota 86 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,640 |
| 20 | $3,510 |
| 30 | $1,576 |
| 40 | $1,510 |
| 50 | $1,380 |
| 60 | $1,354 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,920 |
| $250 | $1,728 |
| $500 | $1,510 |
| $1,000 | $1,302 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,510 |
| 50/100 | $1,596 |
| 100/300 | $1,704 |
| 250/500 | $1,983 |
| 100 CSL | $1,639 |
| 300 CSL | $1,876 |
| 500 CSL | $2,048 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,066 |
| 20 | $5,594 |
| 30 | $3,360 |
| 40 | $3,286 |
| 50 | $3,138 |
| 60 | $3,112 |
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 | $81 |
| Multi-vehicle | $80 |
| Homeowner | $22 |
| 5-yr Accident Free | $115 |
| 5-yr Claim Free | $99 |
| Paid in Full/EFT | $71 |
| Advance Quote | $77 |
| Online Quote | $108 |
| Total Discounts | $653 |
Discounts are estimated and may not be available from every company or in every state.
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