Toyota 86 Insurance Rates

U.S. average insurance rates for a Toyota 86 are $1,440 a year including full coverage. Comprehensive costs an estimated $282 each year, collision insurance costs $548, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs around $3,136. Teenage drivers pay the highest rates at up to $5,452 a year.

Average premium for full coverage: $1,440

Price estimates broken down by individual coverage:

Includes $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and 86 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

The ranges above highlight why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down average Toyota 86 insurance rates for other coverage scenarios.

• The best discount rate is $822
• Choosing higher $1,000 deductibles can save approximately $188 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,440
• Using low deductibles for comp and collision coverage will increase the cost to $1,808
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,136
• The price for full coverage for a 16-year-old driver can cost as much as $5,452 each year

View Chart as Image

Insurance prices for a Toyota 86 are also quite variable based on your driving record, the model of your 86, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota 86 insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,050 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $560 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,700 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Toyota 86 Insurance

Getting lower rates on insurance for a Toyota 86 takes not taking risks behind the wheel, having a good credit history, being claim-free, and possibly raising deductibles. Spend time shopping around at every policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

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

• Insureds who want higher liability limits will pay an extra $500 per year to raise limits from a low limit to 250/500 limits
• You may be able to save approximately $180 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $550 each year
• Teens are expensive to insure, possibly costing $454 a month including comprehensive and collision insurance