Toyota 86 Insurance Rates

Estimated insurance rates for a Toyota 86 are $1,440 a year with full coverage. Comprehensive insurance costs an estimated $282 a year, collision insurance costs $548, and liability coverage costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs $3,136 or more. 16-year-old drivers pay the most at up to $5,452 a year.

Average premium for full coverage: $1,440

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and 86 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area and risk profile, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $822
• Using higher $1,000 deductibles will save approximately $1,252 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,440
• Buying low $100 deductibles for physical damage coverage will cost an extra $368 each year
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,136
• An auto insurance policy for full coverage for a teenage driver can cost as much as $5,452 or more

View Chart as Image

Auto insurance prices for a Toyota 86 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota 86 insurance rates. A driver around age 40 might see prices as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or at least $1,940 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $560 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than the average rate. View High Risk Driver Rates

How to Find Low Cost Toyota 86 Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having good credit, being claim-free, and consideration of higher deductibles. Make time to compare rates once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a review of the data that was touched on in this article.

• You may be able to save approximately $180 per year just by quoting early and online
• Consumers who want increased liability limits will pay around $500 every year to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers under the age of 20 are the costliest to insure, possibly costing $454 per month if they have full coverage
• Drivers who have several accidents or serious violations may pay on average $1,700 more annually to insure a Toyota 86