Toyota 86 Insurance Rates

The average insurance rates for a Toyota 86 are $1,440 a year for full coverage. Comprehensive costs an estimated $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. 16-year-old drivers cost the most to insure at up to $5,452 a year.

Average premium for full coverage: $1,440

Policy rates broken down by type of insurance:

Includes $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and 86 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities. The diagram below illustrates how where you live affects insurance prices.

The examples above show why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below shows average Toyota 86 insurance rates for other coverage scenarios.

• The best full coverage rate is $822
• Using higher $1,000 deductibles will save approximately $1,252 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,440
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,808
• High-risk insureds with multiple tickets or accidents could pay up to $3,136
• Policy cost for full coverage for a 16-year-old driver can cost as much as $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 liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $560 annually, while buying higher liability limits will increase premiums. Going 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 could be paying $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy can be from 44% to 132% more than the average rate. View High Risk Driver Rates

How to Find the Cheapest Toyota 86 Insurance

Finding cheaper rates on insurance for a Toyota 86 requires not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a recap of the primary concepts that were touched on in the above illustrations.

• Drivers can save approximately $180 per year just by quoting early and online
• Drivers considered higher risk that have major violations or accidents pay an average of $1,700 more annually for 86 insurance
• Increasing comprehensive and collision deductibles can save around $550 each year
• Teens are expensive to insure, costing up to $454 each month including comprehensive and collision insurance