Toyota 86 Insurance Rates

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Cheaper 2018 Toyota 86 Insurance Quotes in 2025

There isn't anyone who looks forward to paying premiums for insurance, particularly when they could find lower prices if they just compared rates. Consumers have many insurance companies to choose from, and even though it's nice to have a choice, more options can take longer to find the lowest rates. It is always a good idea to compare rates occasionally due to the fact that insurance rates chang...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 10, 2024

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Estimated insurance rates for a Toyota 86 are $1,484 a year for full coverage insurance. Comprehensive insurance costs approximately $292 a year, collision costs $592, and liability insurance is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $3,238 or more. Teenage drivers pay the most at $5,594 a year or more.

Average premium for full coverage: $1,484

Premium estimates by type of coverage:

Comprehensive $292
Collision $592
Liability $442

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and 86 trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Toyota 86 go from as low as $496 for just the minimum liability insurance to a high of $3,238 for a high-risk insurance policy.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine auto insurance prices.

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

These rate differences illustrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying on 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 Analysis

The chart below illustrates estimated Toyota 86 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $843
  • Raising to $1,000 deductibles will save $1,284 each year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,484
  • Using low $100 deductibles will cost an extra $392 a year
  • Higher-risk drivers who are prone to accidents and violations could pay around $3,238 or more
  • An auto insurance policy for full coverage for a teen driver can cost $5,594

View Chart as Image

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

Insurance prices for a Toyota 86 also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota 86 insurance rates. A middle-age driver might find prices as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,010 on average in Florida, New York, and Michigan.

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

Using high physical damage deductibles can reduce prices by up to $600 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different from one company to the next.

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 Find Cheap Toyota 86 Insurance

Finding better rates on Toyota 86 insurance consists of avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the car insurance concepts covered in the charts and tables above.

  • High-risk drivers that tend to have accidents or serious violations may pay on average $1,750 more per year to insure a Toyota 86
  • It is possible to save around $180 per year simply by quoting early and online
  • Increasing policy deductibles can save around $600 each year
  • Drivers who purchase increased liability limits will pay an extra $490 annually to raise from 30/60 bodily injury limits to 250/500 limits

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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