Toyota 86 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 24, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for a Toyota 86 are $1,510 a year with full coverage. Comprehensive costs an estimated $310, collision insurance costs $612, and liability insurance costs $430. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs around $3,286. Teen drivers cost the most to insure at up to $5,640 a year.

Average premium for full coverage: $1,510

Policy rates broken down by type of insurance:

Comprehensive $310
Collision $612
Liability $430

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all 86 models.

Price Range Variability

For the normal driver, Toyota 86 insurance rates range from as low as $486 for just liability insurance to the much higher price of $3,286 for a high-risk insurance policy.

Liability Only $486
Full Coverage $1,510
High Risk $3,286

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.

Rural Areas $1,133
Small Cities $1,586
Large Cities $2,039

The examples above demonstrate why everyone should compare rates for a targeted area and risk profile, rather than relying on 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 details average Toyota 86 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $857
  • Drivers who choose higher $1,000 deductibles will pay approximately $208 annually
  • The average rate for a good driver age 40 who has $500 deductibles is $1,510
  • Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,920
  • High risk drivers with multiple violations and an at-fault accident could pay up to $3,286
  • Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,640 a year

View Chart as Image

Toyota 86 insurance cost comparison chart
Column chart showing Toyota 86 insurance rates range from $857 to $5,640 for full coverage

Auto insurance rates for a Toyota 86 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $5,600 a year. View Rates by Age

Your home state makes a big difference in Toyota 86 insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,040 on average in New York, Michigan, and Florida.

Toyota 86 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,366 -$144 -9.5%
Alaska $1,160 -$350 -23.2%
Arizona $1,252 -$258 -17.1%
Arkansas $1,510 -$0 0.0%
California $1,720 $210 13.9%
Colorado $1,444 -$66 -4.4%
Connecticut $1,554 $44 2.9%
Delaware $1,710 $200 13.2%
Florida $1,888 $378 25.0%
Georgia $1,394 -$116 -7.7%
Hawaii $1,084 -$426 -28.2%
Idaho $1,022 -$488 -32.3%
Illinois $1,124 -$386 -25.6%
Indiana $1,138 -$372 -24.6%
Iowa $1,018 -$492 -32.6%
Kansas $1,436 -$74 -4.9%
Kentucky $2,060 $550 36.4%
Louisiana $2,236 $726 48.1%
Maine $930 -$580 -38.4%
Maryland $1,246 -$264 -17.5%
Massachusetts $1,210 -$300 -19.9%
Michigan $2,624 $1,114 73.8%
Minnesota $1,264 -$246 -16.3%
Mississippi $1,808 $298 19.7%
Missouri $1,340 -$170 -11.3%
Montana $1,622 $112 7.4%
Nebraska $1,190 -$320 -21.2%
Nevada $1,808 $298 19.7%
New Hampshire $1,088 -$422 -27.9%
New Jersey $1,688 $178 11.8%
New Mexico $1,336 -$174 -11.5%
New York $1,592 $82 5.4%
North Carolina $870 -$640 -42.4%
North Dakota $1,238 -$272 -18.0%
Ohio $1,042 -$468 -31.0%
Oklahoma $1,550 $40 2.6%
Oregon $1,384 -$126 -8.3%
Pennsylvania $1,440 -$70 -4.6%
Rhode Island $2,014 $504 33.4%
South Carolina $1,368 -$142 -9.4%
South Dakota $1,274 -$236 -15.6%
Tennessee $1,322 -$188 -12.5%
Texas $1,820 $310 20.5%
Utah $1,118 -$392 -26.0%
Vermont $1,034 -$476 -31.5%
Virginia $906 -$604 -40.0%
Washington $1,168 -$342 -22.6%
West Virginia $1,384 -$126 -8.3%
Wisconsin $1,046 -$464 -30.7%
Wyoming $1,346 -$164 -10.9%

View Chart as Image

Toyota 86 insurance rates by U.S. city

Choosing high deductibles could save up to $620 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $387 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 may be forking out $1,800 to $2,500 in extra premium every year, depending on your age. Toyota 86 insurance for high-risk drivers can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

Toyota 86 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Toyota 86 $310 $612 $430 $1,510
2017 Toyota 86 $282 $548 $452 $1,440

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 Cheaper Toyota 86 Insurance

Finding cheaper rates on Toyota 86 insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a condensed summary of the car insurance concepts presented in the illustrations above.

  • High-risk drivers with multiple at-fault accidents may pay on average $1,780 more annually for car insurance
  • You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $625 each year
  • Drivers who want higher liability limits will pay about $470 every year to go from a 30/60 limit to 250/500 limits

Rates by Driver Age

Toyota 86 Insurance Rates by Driver Age
Driver Age Premium
16 $5,640
20 $3,510
30 $1,576
40 $1,510
50 $1,380
60 $1,354

Full coverage, $500 deductibles

Rates by Deductible

Toyota 86 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,920
$250 $1,728
$500 $1,510
$1,000 $1,302

Full coverage, driver age 40

Rates by Liability Limit

Toyota 86 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,596
100/300 $1,704
250/500 $1,983
100 CSL $1,639
300 CSL $1,876
500 CSL $2,048

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota 86 Insurance Rates for High Risk Drivers
Age Premium
16 $8,066
20 $5,594
30 $3,360
40 $3,286
50 $3,138
60 $3,112

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 $215

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $81
Multi-vehicle $80
Homeowner $22
5-yr Accident Free $115
5-yr Claim Free $99
Paid in Full/EFT $71
Advance Quote $77
Online Quote $108
Total Discounts $653
Rate after discounts $857

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles