Toyota 86 Insurance Rates

Average insurance rates for a Toyota 86 are $1,440 a year for full coverage. Comprehensive insurance costs approximately $282 a year, collision insurance costs $548, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs $3,136 or more. Teenage drivers receive the highest rates at up to $5,452 a year.

Average premium for full coverage: $1,440

Rate estimates by individual coverage type:

Price estimates include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and 86 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

These examples show why it is important to compare prices using their specific location, instead of using average rates.

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 additional coverage and risk scenarios.

• The best discount rate is $822
• Using higher $1,000 deductibles will save $1,252 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,440
• Using low $100 deductibles for physical damage coverage will cost an additional $368 every year
• Drivers who are prone to accidents and violations could pay around $3,136
• The cost that insures a teen driver can cost $5,452 or more

View Chart as Image

Insurance rates for a Toyota 86 can also vary considerably based on the trim level of your 86, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,700 to $2,400 additional per 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 no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live 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 be forced to pay as much as $2,050 on average in New York, Louisiana, and Michigan.

View Chart as Image

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

How to Find Cheaper Toyota 86 Insurance

Saving money on car insurance requires not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Compare prices once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a condensed summary of the data that was touched on above.

• Drivers can save around $180 per year just by quoting early and online
• Policyholders who purchase higher liability limits will pay an extra $500 each year to increase from a minimum limit to the 250/500 level
• Teens are the costliest to insure, costing as high as $454 per month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,700 more per year for 86 insurance