Toyota 86 Insurance Rates
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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
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Estimated insurance rates for a Toyota 86 are $1,440 a year including full coverage. Comprehensive costs approximately $282, collision insurance costs $548, and liability is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs around $3,136. Teenage drivers pay the most at up to $5,452 a year.
Average premium for full coverage: $1,440
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different 86 trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota 86 range from as low as $504 for the bare minimum liability coverage to a much higher rate of $3,136 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location 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 Rate Information
The chart below breaks down average Toyota 86 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $822
- Raising to $1,000 deductibles will save $188 every year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,440
- Using more expensive low deductibles will increase the cost to $1,808
- At-risk drivers who are prone to accidents and violations could pay around $3,136
- An auto insurance policy for full coverage for a teen driver with full coverage can cost $5,452
Insurance prices for a Toyota 86 also have a wide range based on your driving characteristics, the model of your 86, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age
Where you choose to live also has a big influence on Toyota 86 insurance prices. A middle-age driver might find prices as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,050 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,302 | -$138 | -9.6% |
| Alaska | $1,104 | -$336 | -23.3% |
| Arizona | $1,196 | -$244 | -16.9% |
| Arkansas | $1,440 | -$0 | 0.0% |
| California | $1,640 | $200 | 13.9% |
| Colorado | $1,374 | -$66 | -4.6% |
| Connecticut | $1,480 | $40 | 2.8% |
| Delaware | $1,628 | $188 | 13.1% |
| Florida | $1,802 | $362 | 25.1% |
| Georgia | $1,328 | -$112 | -7.8% |
| Hawaii | $1,034 | -$406 | -28.2% |
| Idaho | $974 | -$466 | -32.4% |
| Illinois | $1,074 | -$366 | -25.4% |
| Indiana | $1,084 | -$356 | -24.7% |
| Iowa | $970 | -$470 | -32.6% |
| Kansas | $1,368 | -$72 | -5.0% |
| Kentucky | $1,964 | $524 | 36.4% |
| Louisiana | $2,130 | $690 | 47.9% |
| Maine | $888 | -$552 | -38.3% |
| Maryland | $1,186 | -$254 | -17.6% |
| Massachusetts | $1,150 | -$290 | -20.1% |
| Michigan | $2,502 | $1,062 | 73.8% |
| Minnesota | $1,206 | -$234 | -16.3% |
| Mississippi | $1,724 | $284 | 19.7% |
| Missouri | $1,278 | -$162 | -11.3% |
| Montana | $1,546 | $106 | 7.4% |
| Nebraska | $1,136 | -$304 | -21.1% |
| Nevada | $1,728 | $288 | 20.0% |
| New Hampshire | $1,038 | -$402 | -27.9% |
| New Jersey | $1,610 | $170 | 11.8% |
| New Mexico | $1,276 | -$164 | -11.4% |
| New York | $1,516 | $76 | 5.3% |
| North Carolina | $830 | -$610 | -42.4% |
| North Dakota | $1,180 | -$260 | -18.1% |
| Ohio | $994 | -$446 | -31.0% |
| Oklahoma | $1,478 | $38 | 2.6% |
| Oregon | $1,318 | -$122 | -8.5% |
| Pennsylvania | $1,374 | -$66 | -4.6% |
| Rhode Island | $1,920 | $480 | 33.3% |
| South Carolina | $1,304 | -$136 | -9.4% |
| South Dakota | $1,216 | -$224 | -15.6% |
| Tennessee | $1,260 | -$180 | -12.5% |
| Texas | $1,736 | $296 | 20.6% |
| Utah | $1,066 | -$374 | -26.0% |
| Vermont | $986 | -$454 | -31.5% |
| Virginia | $862 | -$578 | -40.1% |
| Washington | $1,114 | -$326 | -22.6% |
| West Virginia | $1,320 | -$120 | -8.3% |
| Wisconsin | $996 | -$444 | -30.8% |
| Wyoming | $1,282 | -$158 | -11.0% |
Using high physical damage deductibles can reduce prices by up to $560 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota 86 | $282 | $548 | $452 | $1,440 |
| 2019 Toyota 86 | $270 | $516 | $456 | $1,400 |
| 2018 Toyota 86 | $258 | $464 | $460 | $1,340 |
| 2017 Toyota 86 | $242 | $426 | $460 | $1,286 |
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
Finding better rates on car insurance consists of avoiding accidents and violations, maintaining good credit, refrain from filing small claims, and possibly raising deductibles. Set aside time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a recap of the data that was covered above.
- You may be able to save around $180 per year just by shopping early and online
- Policyholders who purchase higher liability limits will pay an extra $500 per year to raise from 30/60 bodily injury limits to 250/500 limits
- Teenagers are expensive to insure, with the cost nearing $454 per month for full coverage
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,700 more per year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,452 |
| 20 | $3,348 |
| 30 | $1,496 |
| 40 | $1,440 |
| 50 | $1,316 |
| 60 | $1,292 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,808 |
| $250 | $1,636 |
| $500 | $1,440 |
| $1,000 | $1,252 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,440 |
| 50/100 | $1,530 |
| 100/300 | $1,643 |
| 250/500 | $1,937 |
| 100 CSL | $1,576 |
| 300 CSL | $1,824 |
| 500 CSL | $2,005 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,782 |
| 20 | $5,336 |
| 30 | $3,198 |
| 40 | $3,136 |
| 50 | $2,996 |
| 60 | $2,970 |
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 | $77 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $66 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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