Toyota 86 Insurance Rates

U.S. average auto insurance rates for a Toyota 86 are $1,484 annually for full coverage. Comprehensive costs on average $292 a year, collision insurance costs $592, and liability coverage costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $3,238. Teens pay the highest rates at up to $5,594 a year.

Average premium for full coverage: $1,484

Price estimates by individual coverage:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and 86 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.

The ranges above show why it is important to compare rates based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Rate Comparisons

The chart below shows average Toyota 86 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $843
• Drivers who choose higher $1,000 deductibles will pay around $1,284 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,484
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,876
• High-risk insureds with serious driving violations could pay upwards of $3,238
• The price with full coverage for a teenage driver may cost $5,594 a year

View Chart as Image

Auto insurance prices for a Toyota 86 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,800 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $600 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Toyota 86 insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,120 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Best Cheap Toyota 86 Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a quick review of the material that was illustrated above.

• Consumers who require higher levels of liability will pay approximately $490 each year to go from a low limit to higher 250/500 limits
• Teenage drivers are charged the highest prices, with premiums as much as $466 a month if full coverage is included
• Drivers with a DUI or reckless driving violation may be required to pay an average of $1,750 more each year for auto insurance
• Increasing physical damage deductibles could save up to $600 each year