Toyota 86 Insurance Rates

The average insurance prices for a Toyota 86 are $1,440 every 12 months for full coverage. Comprehensive insurance costs around $282 each year, collision insurance costs $548, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs $3,136 or more. Teen 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:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and 86 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above show why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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 lowest rate with discounts is $822
• Choosing higher $1,000 deductibles can save about $188 a year
• The average price for a good driver age 40 using $500 deductibles is $1,440
• Choosing low deductibles for comp and collision coverage costs an extra $368 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,136
• Policy cost to insure a 16-year-old driver can be $5,452 each year

View Chart as Image

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

Choosing high deductibles can save as much as $560 annually, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 132% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota 86 insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,050 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Cheap Toyota 86 Insurance

Finding cheaper rates on insurance for a Toyota 86 takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around at least every other year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a brief summary of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,700 more every year to insure a Toyota 86
• Drivers can save up to $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Insureds who may need increased liability limits will pay about $500 each year to raise limits from a 30/60 limit to a 250/500 level