Toyota 86 Insurance Rates

The average auto insurance rates for a Toyota 86 are $1,440 annually for full coverage. Comprehensive costs an estimated $282 each year, collision insurance costs $548, and liability is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs around $3,136. Teenage drivers cost the most to insure at up to $5,452 a year.

Average premium for full coverage: $1,440

Policy rates broken down by type of insurance:

These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and 86 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $822
• Raising to $1,000 deductibles will save approximately $188 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,440
• Using low deductibles will cost $1,808
• At-risk drivers who are prone to accidents and violations could pay up to $3,136
• Policy cost with full coverage for a teen driver can cost as much as $5,452

View Chart as Image

Auto insurance rates for a Toyota 86 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,700 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $560 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota 86 insurance prices. A middle-age driver might find 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

How to Buy Cheap Toyota 86 Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief summary of the primary concepts that were presented in the illustrations above.

• Drivers can save approximately $180 per year just by quoting online in advance
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,700 more annually to insure their 86
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Teen drivers are the costliest to insure, costing up to $454 each month if full coverage is included