Toyota 86 Insurance Rates

Average insurance rates for a Toyota 86 are $1,440 a year for full coverage. Comprehensive costs approximately $282 each year, collision insurance costs $548, and liability is $452. A liability-only policy costs around $504 a year, and high-risk insurance costs around $3,136. Teenage 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:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and 86 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.

These examples show why all drivers should compare rates quotes using their specific location, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $822
• Raising to $1,000 deductibles will save $188 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,440
• Using low deductibles bumps up the cost to $1,808
• At-risk drivers who are prone to accidents and violations could pay around $3,136
• The cost that insures a teen driver can cost $5,452

View Chart as Image

Insurance rates for a Toyota 86 can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live also has a big influence on Toyota 86 insurance prices. A middle-age driver might find 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

Using high physical damage deductibles can reduce rates by up to $560 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

How to Find Cheaper Toyota 86 Insurance

Saving money on car insurance consists of being a low-risk driver, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Compare prices every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a condensed summary of the material that was covered in the charts and tables above.

• Policyholders who purchase more liability coverage will pay an extra $500 each year to raise from a minimum limit to the 250/500 level
• Teen drivers are expensive to insure, costing as high as $454 per month if full coverage is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,700 more per year to insure their 86
• Increasing deductibles can save approximately $550 each year