Toyota 86 Insurance Rates

Average insurance rates for a Toyota 86 are $1,440 a year for full coverage insurance. Comprehensive costs on average $282 a year, collision insurance costs $548, and liability costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs around $3,136. Teens receive the highest rates at up to $5,452 a year.

Average premium for full coverage: $1,440

Rate estimates by individual coverage type:

Estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and 86 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. Rural areas tend to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how location impacts car insurance rates.

These examples illustrate why it is important to compare rates based on a specific location, instead of using averaged prices.

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

Rate Comparisons

The chart below illustrates average Toyota 86 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $822
• Drivers who choose higher $1,000 deductibles will pay around $1,252 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,440
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,808
• Higher-risk drivers with serious driving violations could pay upwards of $3,136
• The cost that insures a teen driver may cost $5,452 a year

View Chart as Image

Insurance rates for a Toyota 86 can also vary considerably based on the trim level of your 86, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,400 a year. View Rates by Age

Where you live makes a big difference in Toyota 86 insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,940 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $560 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

How to Find Low Cost Toyota 86 Insurance

Saving money on car insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Compare rates every couple of years by getting price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a review of the material that was touched on above.

• Policyholders who require increased levels of liability coverage will pay approximately $500 annually to go from a minimum limit to the 250/500 level
• Drivers age 20 and younger pay the highest rates, costing up to $454 per month if full coverage is included
• Higher risk drivers who have several accidents or serious violations may pay on average $1,700 more each year to buy Toyota 86 insurance
• Increasing deductibles can save approximately $550 each year