Toyota 86 Insurance Rates

The average insurance rates for a Toyota 86 are $1,440 a year with full coverage. Comprehensive costs approximately $282 a year, collision insurance costs $548, and liability coverage is estimated at $452. Liability-only coverage costs approximately $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 by type of insurance:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and 86 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location and risk profile, rather than using price averages.

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

Additional Charts and Tables

The chart below details average Toyota 86 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $822
• Choosing higher $1,000 deductibles can save $1,252 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,440
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,808
• Drivers with multiple violations and an at-fault accident could pay around $3,136
• Policy cost for full coverage for a teenage driver can cost $5,452 each year

View Chart as Image

Insurance rates for a Toyota 86 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota 86 insurance rates. A good driver about age 40 could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,940 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $560 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 132% more than average. View High Risk Driver Rates

How to Find Cheaper Toyota 86 Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having a good credit history, not filing small claims, and consideration of higher deductibles. Spend time shopping around at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the primary concepts that were touched on above.

• You may be able to save around $180 per year just by quoting early and online
• Drivers with multiple at-fault accidents pay on average $1,700 more per year to insure their 86
• Increasing comprehensive and collision deductibles can save around $550 each year
• Teen drivers are the costliest to insure, as much as $454 each month including comprehensive and collision insurance