Toyota 86 Insurance Rates

Average insurance rates for a Toyota 86 are $1,440 a year including full coverage. Comprehensive insurance costs approximately $282 each year, collision insurance costs $548, and liability costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance 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 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and 86 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.

These examples highlight why all drivers should compare rates 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 Information

The chart below breaks down average Toyota 86 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $822
• Drivers who choose higher $1,000 deductibles will pay $188 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,440
• Using low deductibles for comprehensive and collision insurance will cost an extra $368 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,136
• The cost for full coverage for a teen driver can cost $5,452 a year

View Chart as Image

Insurance rates for a Toyota 86 can also vary considerably based on your driver profile, the model of your 86, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live makes a big difference in Toyota 86 insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,050 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $560 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Toyota 86 Insurance

Saving money on car insurance not only requires having a decent driving record, but also maintaining good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every couple of years by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following items are a condensed summary of the material that was touched on above.

• Policyholders who purchase additional liability coverage will pay an extra $500 per year to go from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, as much as $454 per month for full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,700 more per year than a driver with a clean driving record
• Increasing deductibles can save around $550 each year