Toyota 86 Insurance Rates
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UPDATED: May 10, 2024
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The average insurance prices for a Toyota 86 are $1,510 every 12 months with full coverage. Comprehensive costs around $310 a year, collision costs $612, and liability costs around $430. Buying just liability costs as low as $486 a year, with insurance for high-risk drivers costing around $3,286. Teen drivers cost the most to insure at $5,640 a year or more.
Average premium for full coverage: $1,510
Policy rates for type of insurance:
Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and 86 trim levels.
Price Range Variability
For a driver around age 40, Toyota 86 insurance rates go from the cheapest price of $486 for a discount liability-only rate to a high of $3,286 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above demonstrate why it is important to compare prices for a specific zip code and their own driving history, instead of making a decision based 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.
Rates by State, City, and Model
The chart below details estimated Toyota 86 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $857
- Using higher $1,000 deductibles will save about $1,302 annually
- The average price for a good driver age 40 using $500 deductibles is $1,510
- Choosing low $100 deductibles for physical damage coverage increases the price to $1,920
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,286 or more
- Policy cost to insure a 16-year-old driver can be $5,640 or more
Insurance rates for a Toyota 86 also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing high deductibles could cut rates by as much as $620 annually, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $5,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can be from 44% to 133% more than average. View High Risk Driver Rates
Your home state has a huge impact on Toyota 86 insurance prices. A driver around age 40 might see rates as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,040 on average in Florida, Michigan, 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% |
Because rates have so much variability, the best way to find out your exact price is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied.
| 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 Shop for Affordable Toyota 86 Insurance
Finding cheaper rates on insurance for a Toyota 86 requires being a low-risk driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at least once a year by getting rate quotes from direct companies, and also from several local insurance agents.
The items below are a brief review of the primary concepts that were covered above.
- You may be able to save up to $190 per year simply by quoting early and online
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,780 more every year to insure their 86
- Increasing comprehensive and collision deductibles could save as much as $625 each year
- Teen drivers pay higher rates, as much as $470 each month if they have full coverage
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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