Toyota 86 Insurance Rates

U.S. average insurance rates for a Toyota 86 are $1,484 a year with full coverage. Comprehensive insurance costs approximately $292 a year, collision insurance costs $592, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs $3,238 or more. Teenage drivers pay the highest rates at up to $5,594 a year.

Average premium for full coverage: $1,484

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and 86 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $843
• Drivers who choose higher $1,000 deductibles will pay $1,284 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,484
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $392 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,238
• The price that insures a teenage driver can cost $5,594 a year

View Chart as Image

Car insurance prices for a Toyota 86 are also quite variable based on the trim level of your 86, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,800 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,500 a year. View Rates by Age

The state you live in makes a big difference in Toyota 86 insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,010 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $600 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheaper Toyota 86 Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare prices at every policy renewal by requesting quotes from direct companies, and also from local insurance agencies.

The following list is a condensed summary of the data touched on in the above illustrations.

• Consumers who purchase an increased level of liability coverage will pay an extra $490 every year to go from a low limit to the 250/500 level
• You may be able to save around $180 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $600 each year
• Drivers age 16 to 20 pay the highest auto insurance prices, costing up to $466 a month if full coverage is purchased