Toyota 86 Insurance Rates
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UPDATED: May 10, 2024
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The average insurance rates for a Toyota 86 are $1,484 a year for full coverage insurance. Comprehensive insurance costs an estimated $292 each year, collision costs $592, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing $3,238 or more. Teenage drivers cost the most to insure at $5,594 a year or more.
Average premium for full coverage: $1,484
Policy rates broken down by type of insurance:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and 86 models.
Price Range Variability
For a driver around age 40, Toyota 86 insurance rates go from as low as $496 for just the minimum liability insurance to a high rate of $3,238 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on insurance prices.
The examples above illustrate why all drivers should get quotes for a targeted area and risk profile, 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.
Additional Rate Analysis
The chart below illustrates estimated Toyota 86 insurance rates for other coverage scenarios.
- The best discount rate is $843
- Choosing higher $1,000 deductibles can save approximately $200 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,484
- Using low deductibles for comp and collision coverage will cost an extra $392 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $3,238 or more
- Policy cost for full coverage for a teen driver can cost as much as $5,594 each year
Auto insurance rates for a Toyota 86 also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,500 a year. View Rates by Age
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 $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.
| 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% |
Using high physical damage deductibles can save as much as $600 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,800 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied from one company to the next.
| 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 Affordable Toyota 86 Insurance
Finding cheaper rates on car insurance takes being safe and accident-free, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a brief review of the coverage data covered above.
- It is possible to save approximately $180 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $600 each year
- Youthful drivers are the costliest to insure, possibly costing $466 each month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,750 more annually than a low-risk driver
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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