Toyota 86 Insurance Rates
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UPDATED: May 10, 2024
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U.S. average insurance rates for a Toyota 86 are $1,510 a year with full coverage. Comprehensive insurance costs approximately $310, collision costs $612, and liability coverage costs $430. A policy with just liability insurance costs as little as $486 a year, with coverage for high-risk drivers costing $3,286 or more. Teenage drivers pay the highest rates at $5,640 a year or more.
Average premium for full coverage: $1,510
Price estimates by individual coverage:
Prices include $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all 86 models.
Price Range from Low to High
For the normal driver, Toyota 86 insurance prices go from as low as $486 for just the minimum liability insurance to the much higher price of $3,286 for high-risk insurance.
Geographic Price Range
Your location has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.
The example below illustrates how geographic area affects auto insurance prices.
The ranges above demonstrate why everyone should compare rates using their specific location and risk profile, rather than 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 details estimated Toyota 86 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $857
- Drivers who choose higher $1,000 deductibles will pay $208 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,510
- Using pricier low deductibles for comprehensive and collision insurance will cost an extra $410 each year
- High-risk insureds who are prone to accidents and violations could pay around $3,286 or more
- The price for full coverage for a teenage driver for full coverage can cost $5,640 a year
Insurance prices for a Toyota 86 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,600 a year. View Rates by Age
The state you live in 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 be forced to pay as much as $2,040 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles could save up to $620 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 extra each year, depending on your age. Toyota 86 insurance for high-risk drivers can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, so the prices may be quite different from one company to the next.
| 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 Find the Right Toyota 86 Insurance
Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every couple of years by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The following is a quick rundown of the material that was presented in the illustrations above.
- Consumers who purchase higher liability limits will pay an extra $470 every year to go from a low limit to 250/500 limits
- Teens are expensive to insure, costing up to $470 a month for full coverage
- Drivers with reckless driving or DUI convictions pay on average $1,780 more per year for 86 insurance
- Increasing physical damage deductibles can save around $625 each year
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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