Toyota 86 Insurance Rates

Average insurance rates for a Toyota 86 are $1,440 a year including full coverage. Comprehensive insurance costs an estimated $282 each year, collision insurance costs $548, and liability insurance costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs $3,136 or more. Teen drivers receive the highest rates at up to $5,452 a year.

Average premium for full coverage: $1,440

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and 86 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects insurance prices.

These examples highlight why all drivers should compare prices for a targeted area, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $822
• Using higher $1,000 deductibles will save approximately $188 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,440
• Choosing low deductibles for physical damage coverage will cost an additional $368 a year
• Drivers with multiple violations and an at-fault accident could pay up to $3,136
• The cost that insures a teen driver can cost as much as $5,452 or more

View Chart as Image

Auto insurance rates for a Toyota 86 can also vary considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $5,400 a year. View Rates by Age

Where you live has a huge impact on Toyota 86 insurance rates. A driver around age 40 might see rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,050 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $560 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Toyota 86 Insurance

Saving money on Toyota 86 insurance requires being a low-risk driver, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Shop around every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a brief recap of the coverage data presented in the illustrations above.

• You may be able to save approximately $180 per year just by quoting online in advance
• Increasing deductibles can save approximately $550 each year
• Teen drivers are the costliest to insure, as much as $454 per month if the policy includes full coverage
• High-risk drivers who tend to receive serious violations could be charged and average of $1,700 more annually to insure their 86