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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The average auto insurance rates for a Toyota 86 are $1,484 annually for full coverage insurance. Comprehensive insurance costs on average $292, collision insurance costs $592, and liability is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs $3,238 or more. Teenage drivers cost the most to insure at up to $5,594 a year.
Average premium for full coverage: $1,484
Policy rates by type of insurance:
Prices include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different 86 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Toyota 86 insurance rates range from as cheap as $496 for just liability coverage to a much higher rate of $3,238 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities. The price range example below illustrates how rural and urban location affects car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, 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.
Detailed Rate Analysis
The chart below illustrates average Toyota 86 insurance rates for different risk profiles and scenarios.
- The best discount rate is $843
- Raising to $1,000 deductibles will save around $200 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,484
- Using more expensive low deductibles costs an additional $392 every year
- At-risk drivers who are prone to accidents and violations could pay upwards of $3,238
- Policy cost with full coverage for a teen driver with full coverage may cost $5,594
Insurance rates for a Toyota 86 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,800 to $2,400 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $600 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Toyota 86 insurance prices. A middle-age driver might find rates as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,010 on average in Michigan, New York, and Florida.
| 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% |
| 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 Right Toyota 86 Insurance
Finding cheaper rates on car insurance consists of being a safe and courteous driver, having a good credit history, being claim-free, and determing if full coverage is necessary. Set aside time to shop around at every policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a quick rundown of the data raised in the charts and tables above.
- Policyholders who require higher levels of liability will pay an extra $490 annually to raise from a 30/60 limit to higher 250/500 limits
- It is possible to save as much as $180 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $600 each year
- Teenage drivers pay the highest rates, possibly costing $466 each month including comprehensive and collision insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,876 |
| $250 | $1,694 |
| $500 | $1,484 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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