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 for full coverage insurance. Comprehensive costs approximately $282 a year, collision costs $548, and liability coverage costs around $452. A policy with only liability insurance costs as low as $504 a year, with a high-risk policy costing around $3,136. Teens pay the most at $5,452 a year or more.
Average premium for full coverage: $1,440
Premium estimates by type of coverage:
Includes $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and 86 trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota 86 go from the low end price of $504 for just liability insurance to a high of $3,136 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.
The diagram below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why it is important to compare prices using their specific location, rather than using 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 Details
The chart below illustrates estimated Toyota 86 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $822
- Using higher $1,000 deductibles will save $1,252 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,440
- Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,808
- Higher-risk drivers with serious driving violations could pay around $3,136 or more
- An auto insurance policy that insures a teenage driver can cost $5,452 or more
Car insurance prices for a Toyota 86 also have a wide range based on the trim level of your 86, your age and driving record, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age
Where you choose to live has a huge impact on Toyota 86 insurance rates. A driver around age 40 might see prices as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,940 on average in Florida, 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $560 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each insurance company calculates prices differently, so rate quotes will be substantially different.
| 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 auto insurance requires being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Compare rates every year by requesting quotes from direct insurance companies, and also from your local car insurance providers.
Below you'll find a recap of the coverage data covered in the above illustrations.
- It is possible to save around $180 per year simply by quoting early and online
- Increasing policy deductibles can save approximately $550 each year
- Youthful drivers pay the highest auto insurance prices, with premiums being up to $454 per month if full coverage is purchased
- Drivers that have major violations or accidents could be charged and average of $1,700 more per year than a low-risk driver
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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