Toyota 86 Insurance Rates

The average insurance prices for a Toyota 86 are $1,440 every 12 months with full coverage. Comprehensive costs around $282 a year, collision insurance costs $548, and liability costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs around $3,136. Teenage drivers cost the most to insure at up to $5,452 a year.

Average premium for full coverage: $1,440

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and 86 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why it is important to compare prices for a specific zip code and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below details average Toyota 86 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $822
• Using higher $1,000 deductibles will save about $1,252 annually
• The average price for a good driver age 40 using $500 deductibles is $1,440
• Using low $100 deductibles for physical damage coverage increases the price to $1,808
• Drivers who are prone to accidents and violations could pay at least $3,136
• Policy cost to insure a teen driver can be $5,452 or more

View Chart as Image

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

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

Older drivers with a good driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota 86 insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,940 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Cheap Toyota 86 Insurance

Finding cheaper rates on car insurance requires being a good driver, having a good credit score, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every couple of years by requesting rates from direct companies, and also from several local insurance agents.

The following list is a quick review of the material that was touched on in the above illustrations.

• Policyholders who may need an increased level of liability coverage will pay an extra $500 every year to increase from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are expensive to insure, as much as $454 each month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,700 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $550 each year