Toyota 86 Insurance Rates

U.S. average insurance prices for a Toyota 86 are $1,440 every 12 months for full coverage insurance. Comprehensive costs an estimated $282 a year, collision insurance costs $548, and liability coverage is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs around $3,136. 16-year-old drivers pay the highest rates at up to $5,452 a year.

Average premium for full coverage: $1,440

Price estimates broken down by individual coverage:

Estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and 86 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.

The ranges above illustrate why it is important to get quotes for a targeted area and their own driving history, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $822
• Choosing higher $1,000 deductibles can save approximately $1,252 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,440
• Buying low $100 deductibles for comp and collision coverage increases the price to $1,808
• Drivers with multiple tickets or accidents could pay up to $3,136
• The price to insure a teenage driver can cost as much as $5,452 each year

View Chart as Image

Insurance prices for a Toyota 86 are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $560 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy ranges around 44% to 132% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Toyota 86 insurance rates. A good driver about age 40 could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,940 on average in Florida, New York, and Michigan.

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How to Shop for Low Cost Toyota 86 Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a review of the car insurance concepts touched on in this article.

• Drivers who have several accidents or serious violations could be forced to pay on average $1,700 more annually for auto insurance
• It is possible to save approximately $180 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $550 each year
• Consumers who want higher levels of liability will pay around $500 annually to raise limits from a low limit to a 250/500 level