Toyota 86 Insurance Rates

U.S. average auto insurance rates for a Toyota 86 are $1,440 annually including full coverage. Comprehensive costs an estimated $282 each year, collision insurance costs $548, and liability is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers 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 broken down by individual coverage:

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and 86 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

The ranges above highlight why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $822
• Raising to $1,000 deductibles will save approximately $188 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,440
• Using low deductibles will cost $1,808
• Drivers who are prone to accidents and violations could pay up to $3,136
• The price with full coverage for a 16-year-old driver can cost as much as $5,452

View Chart as Image

Insurance prices for a Toyota 86 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,700 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $560 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

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 $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,050 on average in Louisiana, New York, and Michigan.

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How to Buy Low Cost Toyota 86 Insurance

Getting lower rates on insurance for a Toyota 86 consists of being a low-risk driver, having good credit, being claim-free, and possibly raising deductibles. Make time to compare rates at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a review of the primary concepts that were touched on in this article.

• You may be able to save approximately $180 per year just by quoting online in advance
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,700 more annually to insure their 86
• Increasing physical damage deductibles could save up to $550 each year
• Teen drivers are expensive to insure, possibly costing $454 a month if they have full coverage