Toyota 86 Insurance Rates

U.S. average insurance rates for a Toyota 86 are $1,440 a year for full coverage. Comprehensive costs on average $282 a year, collision insurance costs $548, and liability is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs around $3,136. Teenage drivers pay the highest rates at up to $5,452 a year.

Average premium for full coverage: $1,440

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and 86 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why it is important to compare rates quotes based on a specific location and risk profile, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $822
• Raising to $1,000 deductibles will save around $1,252 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,440
• Using low $100 deductibles will increase the cost to $1,808
• At-risk drivers who are prone to accidents and violations could pay upwards of $3,136
• The price for full coverage for a teen driver may cost $5,452

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Toyota 86 insurance prices. A middle-age driver might find prices as low as $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,050 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $560 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Toyota 86 Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every other policy renewal by quoting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The points below are a brief recap of the ideas that were covered above.

• Drivers under the age of 20 are charged the highest prices, with premiums as much as $454 a month if they have full coverage
• Higher risk drivers who tend to receive serious violations will pay on average $1,700 more each year to insure a Toyota 86
• Increasing physical damage deductibles can save around $550 each year
• Drivers can save as much as $180 per year just by quoting early and online