Toyota 86 Insurance Rates

The average insurance rates for a Toyota 86 are $1,440 a year with full coverage. Comprehensive costs around $282 each year, collision insurance costs $548, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs around $3,136. Teen 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:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and 86 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $822
• Using higher $1,000 deductibles will save about $188 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,440
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,808
• Drivers with multiple violations and an at-fault accident could pay at least $3,136
• Policy cost that insures a teen driver can be $5,452 or more

View Chart as Image

Insurance rates for a Toyota 86 also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,700 to $2,400 additional every 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 no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age

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

View Chart as Image

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

How to Find the Best Toyota 86 Insurance

Finding cheaper rates on Toyota 86 insurance requires having a decent driving record, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Shop around at least every other year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following items are a brief recap of the car insurance concepts touched on above.

• High-risk drivers who tend to receive serious violations may pay on average $1,700 more every year than a driver with a clean driving record
• You may be able to save up to $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Drivers who may need additional liability coverage will pay about $500 every year to increase from a 30/60 limit to the 250/500 level