Toyota 86 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 10, 2024
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The average insurance rates for a Toyota 86 are $1,440 a year for full coverage insurance. Comprehensive costs around $282, collision costs $548, and liability coverage costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing around $3,136. Teenage drivers cost the most to insure at $5,452 a year or more.
Average premium for full coverage: $1,440
Policy rates for type of insurance:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different 86 trim levels.
Price Range Variability
For the average driver, Toyota 86 insurance rates go from the low end price of $504 for liability-only coverage to a much higher rate of $3,136 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities.
The price range example below illustrates how location impacts auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than 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.
Additional Charts and Tables
The chart below illustrates estimated Toyota 86 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $822
- Using higher $1,000 deductibles will save about $188 each year
- The estimated price for a good driver age 40 using $500 deductibles is $1,440
- Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,808
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,136 or more
- Policy cost that insures a teenage driver with full coverage can be $5,452 or more
Car insurance rates for a Toyota 86 also range considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can be around 44% to 132% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,400 a year. View Rates by Age
Your home state has a huge impact on Toyota 86 insurance rates. A driver around age 40 might see rates as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay 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% |
Using high physical damage deductibles could cut rates by as much as $560 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes 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 Find the Right Toyota 86 Insurance
Finding cheaper rates on auto insurance requires being a good driver, having a positive credit history, being claim-free, and qualifying for all possible discounts. Compare prices at least once a year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a quick rundown of the primary concepts that were touched on above.
- It is possible to save up to $180 per year simply by shopping early and online
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,700 more every year than a safer driver
- Increasing comprehensive and collision deductibles can save approximately $550 each year
- Drivers age 16 to 20 are the costliest to insure, possibly costing $454 each month if full coverage is purchased
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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