Toyota 86 Insurance Rates

Average auto insurance rates for a Toyota 86 are $1,440 annually for full coverage insurance. Comprehensive costs approximately $282, collision insurance costs $548, and liability coverage is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs around $3,136. Teen 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:

Estimates include $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all 86 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas. The example below illustrates how location impacts auto insurance prices.

These examples illustrate why everyone should get quotes using their specific location and their own personal driving habits, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $822
• Choosing higher $1,000 deductibles can save $188 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,440
• Choosing pricier low deductibles for comp and collision coverage will cost $1,808
• Drivers with multiple violations and an at-fault accident could pay around $3,136
• The cost with full coverage for a teenage driver for full coverage can cost $5,452 each year

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

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,400 additional per year, depending on your age. Toyota 86 insurance for high-risk drivers ranges around 44% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $560 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota 86 insurance rates. A good driver about age 40 could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,940 on average in Florida, New York, and Michigan.

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How to Buy Low Cost Toyota 86 Insurance

Saving money on auto insurance takes not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at every policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a review of the data touched on above.

• Consumers who purchase higher liability limits will pay about $500 annually to raise limits from a minimum limit to higher 250/500 limits
• It is possible to save around $180 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $550 each year
• Teens are the costliest to insure, costing up to $454 per month if they have full coverage