Toyota 86 Insurance Rates

The average insurance rates for a Toyota 86 are $1,440 a year for full coverage. Comprehensive insurance costs around $282 each year, collision insurance costs $548, and liability insurance costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs $3,136 or more. Teenage 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 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and 86 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above show why all drivers should compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $822
• Using higher $1,000 deductibles will save about $188 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,440
• Using low deductibles for physical damage coverage will cost an extra $368 a year
• Drivers who are prone to accidents and violations could pay at least $3,136
• Policy cost for full coverage for a teen driver can be $5,452 or more

View Chart as Image

Insurance rates for a Toyota 86 also range considerably based on your risk profile, the trim level of your 86, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect 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 $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 could cut rates by as much as $560 each year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Toyota 86 Insurance

Finding cheaper rates on Toyota 86 insurance requires being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates every time your policy renews by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a brief recap of the information presented in the illustrations above.

• Drivers can save up to $180 per year just by quoting online in advance
• Teen drivers pay higher rates, costing up to $454 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $550 each year
• High-risk drivers who tend to receive serious violations may be required to pay an average of $1,700 more every year to insure their 86
• Drivers who may need more liability coverage will pay an extra $500 each year to increase from a 30/60 limit to 250/500 limits