Toyota 86 Insurance Rates

Estimated insurance prices for a Toyota 86 are $1,440 every 12 months for full coverage. Comprehensive insurance costs on average $282 each year, collision insurance costs $548, and liability is $452. A policy with only liability insurance costs around $504 a year, and a high-risk policy costs $3,136 or more. Teenage drivers pay the most at up to $5,452 a year.

Average premium for full coverage: $1,440

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and 86 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

These rate differences show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $822
• Raising to $1,000 deductibles will save around $188 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,440
• Using low deductibles costs an extra $368 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,136
• An auto insurance policy to insure a 16-year-old driver may cost $5,452

View Chart as Image

Car insurance prices for a Toyota 86 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your 86.

Using high physical damage deductibles can reduce prices by up to $560 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,400 extra annually, 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

Where you choose to live also has a big influence on Toyota 86 insurance prices. A middle-age driver might find prices 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

How to Shop for the Best Cheap Toyota 86 Insurance

Finding better rates on insurance for a Toyota 86 consists of being a good driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Make time to compare rates every couple of years by getting quotes from direct carriers, and also from local independent and exclusive agents.

The following list is a quick review of the material that was touched on in this article.

• Insureds who require an increased level of liability coverage will pay an extra $500 each year to raise from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 are expensive to insure, as much as $454 per month if the policy includes full coverage
• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,700 more each year than a safer driver
• Increasing policy deductibles could save as much as $550 each year