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 insurance prices for a Toyota 86 are $1,440 every 12 months for full coverage insurance. Comprehensive costs on average $282, collision costs $548, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $3,136. Teen drivers cost the most to insure at $5,452 a year or more.
Average premium for full coverage: $1,440
Policy rates by type of insurance:
Includes $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all 86 models.
Price Range Variability
For the average driver, Toyota 86 insurance rates go from the cheapest price of $504 for just liability insurance to the much higher price of $3,136 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.
The example below illustrates how location impacts car insurance rates.
The examples above illustrate why everyone should get quotes based on a specific location and their own driving history, instead of using 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.
More Rate Details
The chart below illustrates estimated Toyota 86 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $822
- Choosing higher $1,000 deductibles can save around $188 each year
- The average price for a good driver age 40 with $500 deductibles is $1,440
- Choosing pricier low deductibles for comp and collision coverage increases the price to $1,808
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,136 or more
- Policy cost to insure a teen driver for full coverage may cost $5,452 each year
Insurance rates for a Toyota 86 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your 86.
Choosing high deductibles can save as much as $560 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,400 additional every year, depending on your age. Toyota 86 insurance for high-risk drivers ranges as much as 44% to 132% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Toyota 86 insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,940 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, and rates will be varied.
| 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 Shop for the Cheapest Toyota 86 Insurance
Finding cheaper rates on car insurance takes having a good driving record, having above-average credit, being claim-free, and insuring your home and auto with the same company. Spend time shopping around at least every other year by getting quotes from direct insurance companies, and also from several local insurance agents.
The next list is a recap of the car insurance concepts touched on above.
- Higher risk drivers that have major violations or accidents pay on average $1,700 more each year to buy Toyota 86 insurance
- It is possible to save as much as $180 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- Policyholders who require increased levels of liability coverage will pay about $500 annually to raise limits from a 30/60 limit to a 250/500 level
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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