Toyota 86 Insurance Rates
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UPDATED: May 10, 2024
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U.S. average insurance prices for a Toyota 86 are $1,510 every 12 months for full coverage. Comprehensive insurance costs an estimated $310 each year, collision insurance costs $612, and liability costs around $430. Liability-only insurance costs as low as $486 a year, and high-risk driver insurance costs $3,286 or more. 16-year-old drivers pay the highest rates at up to $5,640 a year.
Average premium for full coverage: $1,510
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and 86 models.
Price Range from Low to High
For the normal driver, Toyota 86 insurance prices range from the cheapest price of $486 for basic liability insurance to a high rate of $3,286 for a high-risk driver policy.
Geographic Price Range
Where you live can make a big difference on insurance rates. More rural locations have more infrequent accident claims than congested cities. The graphic below illustrates how geographic area affects insurance prices.
The ranges above show why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on rate 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.
Rate Comparisons
The chart below shows average Toyota 86 insurance rates for other coverage scenarios.
- The best full coverage rate is $857
- Using higher $1,000 deductibles will save approximately $208 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,510
- Buying low deductibles for physical damage coverage costs an extra $410 annually
- High-risk insureds with multiple tickets or accidents could pay up to $3,286
- The price to insure a 16-year-old driver can cost as much as $5,640 or more
Car insurance prices for a Toyota 86 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could cut prices by as much as $620 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $5,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be from 44% to 133% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Toyota 86 insurance prices. A driver around age 40 might see prices as low as $990 a year in states like Iowa, Maine, and Idaho, or at least $2,160 on average in New York, Louisiana, and Michigan.
| 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota 86 | $310 | $612 | $430 | $1,510 |
| 2019 Toyota 86 | $292 | $592 | $442 | $1,484 |
| 2018 Toyota 86 | $282 | $548 | $452 | $1,440 |
| 2017 Toyota 86 | $270 | $516 | $456 | $1,400 |
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 Shop for More Affordable Toyota 86 Insurance
Getting lower rates on insurance for a Toyota 86 requires avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a summary of the information presented in the illustrations above.
- Drivers can save approximately $190 per year just by quoting online in advance
- Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $470 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $625 each year
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,780 more annually to insure a Toyota 86
- Insureds who want increased liability limits will pay around $470 each year to increase from a low limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,920 |
| $250 | $1,728 |
| $500 | $1,510 |
| $1,000 | $1,302 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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