Toyota 86 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average insurance rates for a Toyota 86 are $1,484 a year including full coverage. Comprehensive insurance costs approximately $292, collision costs $592, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $3,238 or more. Teens pay the highest rates at $5,594 a year or more.

Average premium for full coverage: $1,484

Price estimates by individual coverage:

Comprehensive $292
Collision $592
Liability $442

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all 86 models.

Price Range from Low to High

For a driver around age 40, Toyota 86 insurance prices go from the low end price of $496 for your basic liability-only policy to the much higher price of $3,238 for a high-risk insurance policy.

Liability Only $496
Full Coverage $1,484
High Risk $3,238

Geographic Price Range

Your location has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,113
Small Cities $1,558
Large Cities $2,003

The ranges above highlight why everyone should compare rates using their specific location, rather than relying on averaged prices.

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 breaks down estimated Toyota 86 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $843
  • Drivers who choose higher $1,000 deductibles will pay $200 every year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,484
  • Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $392 a year
  • High risk drivers with serious driving violations could pay around $3,238 or more
  • The price that insures a teen driver for full coverage can cost $5,594 a year

View Chart as Image

Toyota 86 insurance cost comparison chart
Column chart showing full coverage Toyota 86 insurance prices range from $843 to $5,594

Car insurance prices for a Toyota 86 are also quite variable based on the model of your 86, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,800 to $2,400 extra each year, depending on your age. Toyota 86 insurance for high-risk drivers can cost anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,500 a year. View Rates by Age

The state you live in makes a big difference in Toyota 86 insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,120 on average in Louisiana, New York, and Michigan.

Toyota 86 Insurance Rates by State
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%

View Chart as Image

Toyota 86 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $600 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Every company calculates prices differently, so rate quotes may be quite different.

Toyota 86 Insurance Rates by Model Year
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

Getting lower rates on Toyota 86 insurance not only requires being a good driver, but also having a positive credit history, being claim-free, and avoiding coverage lapses. Compare rates at least every other year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a summary of the car insurance concepts covered above.

  • High-risk drivers who have multiple accidents or major violations will likely pay on average $1,750 more per year than a safer driver
  • You may be able to save around $180 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $600 each year
  • Drivers who purchase an increased level of liability coverage will pay approximately $490 per year to go from a low limit to the 250/500 level

Rates by Driver Age

Toyota 86 Insurance 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

Toyota 86 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,876
$250 $1,694
$500 $1,484
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

Toyota 86 Insurance Rates with Different Liability Limits
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

Toyota 86 Insurance 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.

SR-22 Surcharge $213

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
Rate after discounts $843

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles