Toyota 86 Insurance Rates

U.S. average insurance rates for a Toyota 86 are $1,440 a year including full coverage. Comprehensive costs on average $282 a year, collision insurance costs $548, and liability costs around $452. Liability-only coverage costs as low as $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:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and 86 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $822
• Using higher $1,000 deductibles will save around $1,252 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,440
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,808
• Drivers who are prone to accidents and violations could pay upwards of $3,136
• The price that insures a teen driver may cost $5,452 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $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 $1,110 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,050 on average in Michigan, New York, and Louisiana.

View Chart as Image

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

How to Find Cheaper Toyota 86 Insurance

Getting lower rates on car insurance requires being a low-risk driver, maintaining a good credit score, being claim-free, and deciding if full coverage is necessary. Compare prices every couple of years by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The items below are a condensed summary of the material that was touched on in the above illustrations.

• Policyholders who require more liability coverage will pay an extra $500 per year to increase from a low limit to the 250/500 level
• Teen drivers are charged the highest prices, possibly costing $454 a month if the policy includes full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,700 more each year to insure their 86
• Increasing physical damage deductibles can save approximately $550 each year