Toyota 86 Insurance Rates
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UPDATED: May 10, 2024
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Average auto insurance rates for a Toyota 86 are $1,510 annually for full coverage. Comprehensive costs on average $310 each year, collision insurance costs $612, and liability insurance costs around $430. A liability-only policy costs as low as $486 a year, and high-risk insurance costs around $3,286. 16-year-old drivers receive the highest rates at up to $5,640 a year.
Average premium for full coverage: $1,510
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and 86 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $486 for your basic liability-only policy to a high rate of $3,286 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.
These examples show why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on rate 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 Information
The chart below shows average Toyota 86 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $857
- Using higher $1,000 deductibles will save around $208 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,510
- Buying low deductibles for physical damage coverage will cost $1,920
- Drivers with multiple tickets or accidents could pay upwards of $3,286
- The cost with full coverage for a teen driver may cost $5,640 or more
Insurance rates for a Toyota 86 can also vary considerably based on the trim level of your 86, your driver profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $620 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota 86 insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Idaho, Maine, and Iowa, or at least $2,160 on average in Michigan, Louisiana, and New York.
| 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota 86 | $310 | $612 | $430 | $1,510 |
| 2019 Toyota 86 | $292 | $592 | $442 | $1,484 |
| 2018 Toyota 86 | $282 | $548 | $452 | $1,440 |
| 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 the Best Toyota 86 Insurance
Saving money on Toyota 86 insurance requires being safe and accident-free, having a good credit history, eliminating unneeded coverage, and determing if full coverage is necessary. Make time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
Below you'll find a brief recap of the primary concepts that were touched on in this article.
- Drivers can save as much as $190 per year just by quoting online in advance
- High-risk drivers who tend to receive serious violations may be required to pay an average of $1,780 more each year than a low-risk driver
- Increasing deductibles could save up to $625 each year
- Youthful drivers pay the highest rates, costing as high as $470 per month including comprehensive and collision insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,920 |
| $250 | $1,728 |
| $500 | $1,510 |
| $1,000 | $1,302 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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