Toyota 86 Insurance Rates

Average auto insurance rates for a Toyota 86 are $1,484 annually including full coverage. Comprehensive insurance costs an estimated $292 a year, collision insurance costs $592, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers 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 broken down by individual coverage type:

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and 86 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

These examples highlight why it is important to compare prices for a targeted area and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down average Toyota 86 insurance rates for other coverage scenarios.

• The best discount rate is $843
• Using higher $1,000 deductibles will save approximately $1,284 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,484
• Using low $100 deductibles for physical damage coverage costs an additional $392 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,238
• The cost with full coverage for a teenage driver can cost as much as $5,594 or more

View Chart as Image

Insurance rates for a Toyota 86 can also vary considerably based on the trim level of your 86, your driving characteristics, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,800 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy can be around 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $600 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more each 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 $1,140 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,120 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Right Toyota 86 Insurance

Saving money on auto insurance requires being a low-risk driver, having good credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates every other policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a quick rundown of the ideas that were covered in the above illustrations.

• Teen drivers are expensive to insure, as much as $466 per month if they have full coverage
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,750 more annually to insure their 86
• Increasing deductibles could save up to $600 each year
• You may be able to save approximately $180 per year just by quoting early and online