Toyota 86 Insurance Rates

Estimated insurance rates for a Toyota 86 are $1,484 a year for full coverage insurance. Comprehensive costs around $292, collision insurance costs $592, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs around $3,238. Teenage drivers pay the most at up to $5,594 a year.

Average premium for full coverage: $1,484

Premium estimates for type of coverage:

Includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 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 car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

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

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

Detailed Rate Analysis

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 $200 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,484
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,876
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,238
• An auto insurance policy that insures a teenage driver with full coverage can be $5,594 or more

View Chart as Image

Insurance prices for a Toyota 86 also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance can be around 43% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $5,500 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 $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 prices by as much as $600 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Toyota 86 Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare prices every other policy renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following is a recap of the ideas that were covered above.

• Teens pay higher prices, with premiums being up to $466 per month if full coverage is included
• Drivers that have major violations or accidents could be forced to pay on average $1,750 more every year for 86 insurance
• Increasing policy deductibles can save approximately $600 each year
• It is possible to save up to $180 per year just by shopping early and online