Toyota 86 Insurance Rates

Estimated insurance rates for a Toyota 86 are $1,440 a year with full coverage. Comprehensive costs around $282, 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 around $3,136. Teenage drivers pay the most at up to $5,452 a year.

Average premium for full coverage: $1,440

Premium estimates for type of coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different 86 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using average rates.

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

Additional Rate Information

The chart below details average Toyota 86 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $822
• Using higher $1,000 deductibles will save about $188 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,440
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,808
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,136
• An auto insurance policy for full coverage for a teenage driver with full coverage can be $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 deductibles and policy limits.

An older driver 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 much higher for drivers in their teens, where even good drivers will have to pay as much as $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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,940 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $560 a year, while increasing your policy's liability limits will increase prices. 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 at least $1,700 to $2,400 in extra premium annually, depending on your age. High-risk driver insurance can be around 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Toyota 86 Insurance

Finding better rates on auto insurance requires being a good driver, having good credit, being claim-free, and possibly raising deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a quick review of the material that was covered in the charts and tables above.

• Consumers who may need an increased level of liability coverage will pay an extra $500 every year to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, possibly costing $454 per month if they have full coverage
• Drivers with a DUI or reckless driving violation pay an average of $1,700 more every year than a safer driver
• Increasing policy deductibles can save around $550 each year