Toyota 86 Insurance Rates
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UPDATED: May 10, 2024
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U.S. average insurance rates for a Toyota 86 are $1,484 a year for full coverage insurance. Comprehensive insurance costs an estimated $292 a year, collision insurance costs $592, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $3,238 or more. Teenage drivers pay the highest rates at up to $5,594 a year.
Average premium for full coverage: $1,484
Price estimates broken down by individual coverage:
Includes $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and 86 trim levels.
Price Range from Low to High
For a 40-year-old driver, Toyota 86 insurance prices range from the low end price of $496 for your basic liability-only policy to a high of $3,238 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.
The ranges above illustrate why it is important to get quotes for a targeted area, rather than relying 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 Information
The chart below illustrates average Toyota 86 insurance rates for other coverage scenarios.
- The best discount rate is $843
- Choosing higher $1,000 deductibles can save approximately $1,284 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,484
- Using low $100 deductibles for comp and collision coverage will cost an additional $392 a year
- High-risk insureds who are prone to accidents and violations could pay up to $3,238
- The price that insures a teen driver can cost as much as $5,594 each year
Insurance prices for a Toyota 86 are also quite variable based on the trim level of your 86, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,800 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Toyota 86 insurance rates. A good driver about age 40 could pay as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,010 on average in Florida, 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% |
Using high physical damage deductibles can save as much as $600 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit
| 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 the Cheapest Toyota 86 Insurance
Getting lower rates on Toyota 86 insurance takes not taking risks behind the wheel, having a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every time your policy renews by requesting rates from direct insurance companies, and also from local insurance agencies.
The following is a recap of the information illustrated above.
- It is possible to save approximately $180 per year just by quoting early and online
- Teens are expensive to insure, as much as $466 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles can save approximately $600 each year
- High-risk drivers that have major violations or accidents may have to pay on average $1,750 more annually for 86 insurance
- Drivers who want higher liability limits will pay an extra $490 annually to raise limits from a low limit to the 250/500 level
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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