Toyota 86 Insurance Rates

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UPDATED: May 10, 2024

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U.S. average auto insurance rates for a Toyota 86 are $1,484 annually with full coverage. Comprehensive costs around $292 each year, collision costs $592, and liability insurance costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $3,238. Teen drivers pay the highest rates at $5,594 a year or more.

Average premium for full coverage: $1,484

Price estimates for individual coverage:

Comprehensive $292
Collision $592
Liability $442

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and 86 models.

Price Range from Low to High

For a driver in their 40's, Toyota 86 insurance prices go from as cheap as $496 for the bare minimum liability coverage to a high rate of $3,238 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Your location has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance rates.

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

The ranges above demonstrate why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than relying 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 Information

The chart below details estimated Toyota 86 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $843
  • Drivers who choose higher $1,000 deductibles will pay about $200 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,484
  • Choosing low deductibles for comprehensive and collision insurance will cost $1,876
  • High risk drivers with multiple violations and an at-fault accident could pay at least $3,238 or more
  • The price with full coverage for a teen driver can be $5,594 a year

View Chart as Image

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

Insurance prices for a Toyota 86 are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,800 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $600 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Toyota 86 insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,010 on average in Florida, Michigan, and New York.

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

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, and prices may be quite different between companies.

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 Buy the Cheapest Toyota 86 Insurance

Getting lower rates on Toyota 86 insurance not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at every policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a recap of the data covered in the charts and tables above.

  • Drivers who may need additional liability coverage will pay about $490 every year to go from a low limit to higher 250/500 limits
  • You may be able to save up to $180 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save up to $600 each year
  • 16 to 18-year-old drivers are charged the highest prices, costing up to $466 a month if they have full coverage

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.

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