Toyota 86 Insurance Rates

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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: Jun 6, 2023

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Average auto insurance rates for a Toyota 86 are $1,484 annually for full coverage insurance. Comprehensive insurance costs on average $292, collision insurance costs $592, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs $3,238 or more. Teenage drivers receive the highest rates at up to $5,594 a year.

Average premium for full coverage: $1,484

Rate estimates by individual coverage type:

Comprehensive $292
Collision $592
Liability $442

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all 86 models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from as cheap as $496 for just the minimum liability insurance to the much higher price of $3,238 for coverage for higher-risk drivers.

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

Price Range by Location

Your location can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.

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

These examples illustrate why everyone should compare rates based on a specific location and their own personal driving habits, 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 average Toyota 86 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $843
  • Drivers who choose higher $1,000 deductibles will pay around $200 each year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,484
  • Using pricier low deductibles for comprehensive and collision insurance costs an additional $392 every year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,238
  • The cost with full coverage for a teen driver for full coverage may 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

Car insurance rates for a Toyota 86 can also vary considerably based on the trim level of your 86, your risk profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,800 to $2,400 extra per year, depending on your age. Toyota 86 insurance for high-risk drivers can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $600 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota 86 insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,010 on average in Michigan, New York, and Florida.

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
2019 Toyota 86 $292 $592 $442 $1,484
2017 Toyota 86 $270 $516 $456 $1,400

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 Cheaper Toyota 86 Insurance

Saving money on car insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates at least once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a condensed summary of the primary concepts that were touched on in this article.

  • It is possible to save as much as $180 per year just by quoting online well ahead of the renewal date
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,750 more each year than a safer driver
  • Increasing deductibles could save up to $600 each year
  • Drivers age 16 to 20 are expensive to insure, costing up to $466 per month if comprehensive and collision insurance is included

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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