Toyota 86 Insurance Rates

Average insurance rates for a Toyota 86 are $1,484 a year for full coverage insurance. Comprehensive insurance costs around $292 a year, collision insurance costs $592, and liability insurance costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs $3,238 or more. Teenage drivers receive the highest rates at up to $5,594 a year.

Average premium for full coverage: $1,484

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and 86 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.

These examples illustrate why it is important to compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $843
• Using higher $1,000 deductibles will save about $1,284 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,484
• Using low $100 deductibles for physical damage coverage will cost an extra $392 a year
• Drivers who are prone to accidents and violations could pay at least $3,238
• The cost for full coverage for a teen driver can be $5,594 or more

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,500 a year. View Rates by Age

Where you live has a huge impact on Toyota 86 insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,010 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 each year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,800 to $2,400 in extra premium per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Toyota 86 Insurance

Saving money on Toyota 86 insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at every other renewal by requesting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a summary of the concepts that were illustrated above.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,750 more every year than a low-risk driver
• Youthful drivers are expensive to insure, costing up to $466 per month if they have full coverage
• It is possible to save up to $180 per year just by quoting early and online
• Increasing deductibles can save around $600 each year
• It is possible to save up to $180 per year just by quoting early and online