Toyota 86 Insurance Rates

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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

UPDATED: Jun 6, 2023

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Estimated auto insurance rates for a Toyota 86 are $1,510 annually with full coverage. Comprehensive insurance costs approximately $310 a year, collision insurance costs $612, and liability costs around $430. A liability-only policy costs as low as $486 a year, and high-risk insurance costs $3,286 or more. Teen drivers pay the most at up to $5,640 a year.

Average premium for full coverage: $1,510

Premium estimates by type of coverage:

Comprehensive $310
Collision $612
Liability $430

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and 86 trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Toyota 86 range from as cheap as $486 for just the minimum liability insurance to a high of $3,286 for a high-risk driver policy.

Liability Only $486
Full Coverage $1,510
High Risk $3,286

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,133
Small Cities $1,586
Large Cities $2,039

These rate differences demonstrate why it is important to compare prices using their specific location and their own personal driving habits, instead of making a decision based on 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 Analysis

The chart below details average Toyota 86 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $857
  • Using higher $1,000 deductibles will save $1,302 annually
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,510
  • Choosing low $100 deductibles for physical damage coverage costs an additional $410 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay around $3,286
  • An auto insurance policy with full coverage for a 16-year-old driver can cost $5,640 or more

View Chart as Image

Toyota 86 insurance cost comparison chart
Column chart showing Toyota 86 insurance prices range from $857 to $5,640 for full coverage

Auto insurance prices for a Toyota 86 also have a wide range based on the model of your 86, your driving record, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $5,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $620 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Toyota 86 insurance prices. A driver around age 40 might see prices as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,040 on average in New York, Michigan, and Florida.

Toyota 86 Insurance Rates by State
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%

View Chart as Image

Toyota 86 insurance rates by U.S. city
Toyota 86 Insurance Rates by Model Year
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 Buy the Best Cheap Toyota 86 Insurance

Finding better rates on insurance for a Toyota 86 requires being a low-risk driver, having above-average credit, being claim-free, and possibly higher deductibles. Make time to compare rates every time your policy renews by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a quick review of the information touched on in this article.

  • You may be able to save around $190 per year just by quoting early and online
  • Teen drivers have the highest car insurance prices, possibly costing $470 per month if full coverage is included
  • Increasing policy deductibles could save up to $625 each year
  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,780 more per year to insure their 86
  • Insureds who purchase more liability coverage will pay about $470 every year to increase from 30/60 bodily injury limits to higher 250/500 limits

Rates by Driver Age

Toyota 86 Insurance 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

Toyota 86 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,920
$250 $1,728
$500 $1,510
$1,000 $1,302

Full coverage, driver age 40

Rates by Liability Limit

Toyota 86 Insurance Rates with Different Liability Limits
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

Toyota 86 Insurance 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.

SR-22 Surcharge $215

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
Rate after discounts $857

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

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