Toyota 86 Insurance Rates
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UPDATED: May 10, 2024
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Estimated insurance prices for a Toyota 86 are $1,484 every 12 months with full coverage. Comprehensive insurance costs approximately $292, collision insurance costs $592, and liability insurance costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs $3,238 or more. Teens pay the most at up to $5,594 a year.
Average premium for full coverage: $1,484
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different 86 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota 86 range from the cheapest price of $496 for minimum levels of liability insurance to a much higher rate of $3,238 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, 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 Rate Details
The chart below details average Toyota 86 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $843
- Using higher $1,000 deductibles will save $200 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,484
- Selecting more expensive low deductibles for physical damage coverage costs an extra $392 a year
- Drivers with serious driving violations could pay around $3,238
- An auto insurance policy to insure a teen driver with full coverage can cost $5,594 or more
Car insurance prices for a Toyota 86 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your 86.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Toyota 86 insurance rates. A driver around age 40 might see prices as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,010 on average in New York, Michigan, and Florida.
| 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% |
| 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 Shop for the Best Cheap Toyota 86 Insurance
Finding better rates on Toyota 86 insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Make time to compare rates every other policy renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.
Below you'll find a quick review of the ideas that were touched on in this article.
- Youthful drivers pay the highest auto insurance prices, possibly costing $466 per month if the policy includes full coverage
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,750 more per year than a low-risk driver
- Increasing policy deductibles could save as much as $600 each year
- You may be able to save around $180 per year just by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,876 |
| $250 | $1,694 |
| $500 | $1,484 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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