Toyota 86 Insurance Rates

U.S. average insurance rates for a Toyota 86 are $1,440 a year for full coverage. Comprehensive costs around $282 a year, collision insurance costs $548, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs around $3,136. Teen drivers pay the highest rates at up to $5,452 a year.

Average premium for full coverage: $1,440

Price estimates for individual coverage:

These estimates include $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and 86 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below shows 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 $1,252 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,440
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,808
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,136
• The price for full coverage for a 16-year-old driver can be $5,452 or more

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Insurance prices for a Toyota 86 are also quite variable based on your driving record, the trim level of your 86, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $5,400 a year. View Rates by Age

The state you live in has a huge impact on Toyota 86 insurance prices. A driver around age 40 might see prices as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,050 on average in Michigan, Louisiana, and New York.

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Choosing high deductibles could cut prices by as much as $560 annually, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can be from 44% to 132% more than average. View High Risk Driver Rates

How to Find Cheap Toyota 86 Insurance

Getting lower rates on insurance for a Toyota 86 requires not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following is a brief summary of the data that was covered above.

• Drivers can save up to $180 per year just by quoting early and online
• Insureds who may need higher liability limits will pay about $500 each year to increase from a low limit to 250/500 limits
• Teens pay higher prices, with premiums as much as $454 a month for full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,700 more every year for 86 insurance