Toyota 86 Insurance Rates

U.S. average insurance rates for a Toyota 86 are $1,440 a year for full coverage insurance. Comprehensive costs approximately $282 a year, collision insurance costs $548, and liability costs around $452. Buying just liability costs as low as $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 by individual coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and 86 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

The ranges above illustrate why it is important to compare prices using their specific location and risk profile, instead of using average rates.

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

More Rate Details

The chart below illustrates 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 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,440
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,808
• Drivers who are prone to accidents and violations could pay around $3,136
• The price for full coverage for a teen driver can cost $5,452 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in has a huge impact on Toyota 86 insurance prices. A driver around age 40 might see prices as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,940 on average in Florida, New York, and Michigan.

View Chart as Image

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

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,400 additional each 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

How to Find the Best Toyota 86 Insurance

Getting lower rates on car insurance requires being a good driver, having a good credit history, not filing small claims, and consideration of higher deductibles. Invest the time to shop around at least once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a brief recap of the primary concepts that were illustrated above.

• It is possible to save around $180 per year just by quoting early and online
• Higher risk drivers who tend to receive serious violations may pay on average $1,700 more per year than a safer driver
• Increasing physical damage deductibles can save around $550 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $454 a month including comprehensive and collision insurance