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

UPDATED: Jun 6, 2023

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.

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:

Comprehensive $310
Collision $612
Liability $430

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.

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

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.

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

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

View Chart as Image

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

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.

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

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.

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 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

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.

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