Toyota 86 Insurance Rates

The average insurance prices for a Toyota 86 are $1,440 every 12 months for full coverage. Comprehensive insurance costs approximately $282, collision insurance costs $548, and liability costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs $3,136 or more. Teenage drivers cost the most to insure at up to $5,452 a year.

Average premium for full coverage: $1,440

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different 86 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.

The examples above show why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $822
• Using higher $1,000 deductibles will save $188 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,440
• Using more expensive low deductibles for physical damage coverage costs an extra $368 every year
• Drivers who are prone to accidents and violations could pay around $3,136
• Policy cost to insure a teen driver with full coverage can cost $5,452 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $560 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can be as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota 86 insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,050 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Toyota 86 Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a quick review of the data illustrated above.

• Policyholders who purchase additional liability coverage will pay an extra $500 each year to increase from a 30/60 limit to a 250/500 level
• Drivers can save around $180 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $454 each month if they have full coverage