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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UPDATED: May 10, 2024

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The average auto insurance rates for a Toyota 86 are $1,484 annually for full coverage. Comprehensive insurance costs approximately $292 a year, collision insurance costs $592, and liability insurance costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $3,238 or more. Teens cost the most to insure at up to $5,594 a year.

Average premium for full coverage: $1,484

Policy rates by type of insurance:

Comprehensive $292
Collision $592
Liability $442

Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and 86 trim levels.

Price Range Variability

For the normal driver, Toyota 86 insurance rates range from as cheap as $496 for liability-only coverage to a high of $3,238 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.

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

The examples above show why it is important to compare rates using their specific location and their own personal driving habits, rather than relying on averaged prices.

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 shows average Toyota 86 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $843
  • Drivers who choose higher $1,000 deductibles will pay $1,284 a year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,484
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $392 a year
  • High risk drivers with serious driving violations could pay around $3,238
  • Policy cost with full coverage for a teen driver can cost $5,594 a year

View Chart as Image

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

Insurance rates for a Toyota 86 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,800 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $600 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Toyota 86 insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,120 on average in New York, Louisiana, 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
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 Buy the Best Toyota 86 Insurance

Finding cheaper rates on Toyota 86 insurance not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the concepts that were presented in the illustrations above.

  • High-risk drivers who tend to receive serious violations pay on average $1,750 more per year to insure their 86
  • Teen drivers are expensive to insure, costing up to $466 each month including comprehensive and collision insurance
  • Drivers can save around $180 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $600 each year
  • Drivers can save around $180 per year just by quoting early and online

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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