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 a year, collision insurance costs $548, and liability insurance is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers costs $3,136 or more. Teenage 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:

Includes $500 physical damage insurance deductibles, minimum liability limits, 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

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

These examples highlight why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on 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 $822
• Raising to $1,000 deductibles will save approximately $1,252 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,440
• Using low $100 deductibles will cost an extra $368 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,136
• The cost for full coverage for a teen driver can cost as much as $5,452

View Chart as Image

Auto insurance rates for a Toyota 86 can also vary considerably based on your driver profile, the model of your 86, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

Where you live also has a big influence on Toyota 86 insurance rates. A middle-age driver might find rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,050 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $560 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,700 to $2,400 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Toyota 86 Insurance

Saving money on Toyota 86 insurance consists of being a low-risk driver, having good credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around every couple of years by getting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The items below are a recap of the material that was touched on above.

• Drivers who want more liability coverage will pay an extra $500 per year to raise from a minimum limit to 250/500 limits
• Teen drivers are the costliest to insure, as much as $454 per month if they have full coverage
• High-risk drivers that have major violations or accidents may pay on average $1,700 more annually to insure their 86
• Increasing deductibles can save around $550 each year