Toyota 86 Insurance Rates

The average auto insurance rates for a Toyota 86 are $1,510 annually including full coverage. Comprehensive costs on average $310 each year, collision insurance costs $612, and liability insurance costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs around $3,286. 16-year-old drivers cost the most to insure at up to $5,640 a year.

Average premium for full coverage: $1,510

Policy rates by type of insurance:

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and 86 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.

The examples above highlight why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

More Rate Details

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

• The best full coverage rate is $857
• Using higher $1,000 deductibles will save around $208 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,510
• Buying low deductibles for physical damage coverage will cost $1,920
• Drivers with multiple tickets or accidents could pay upwards of $3,286
• Policy cost with full coverage for a teen driver may cost $5,640 or more

View Chart as Image

Insurance rates for a Toyota 86 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,800 to $2,500 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $620 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota 86 insurance rates. A driver around age 40 might see rates as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy the Best Cheap Toyota 86 Insurance

Finding cheaper rates on Toyota 86 insurance requires being a low-risk driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to comparison shop at least once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick review of the primary concepts that were touched on in the above illustrations.

• You may be able to save as much as $190 per year just by quoting online in advance
• High-risk drivers with a DUI or reckless driving violation pay on average $1,780 more each year to insure their 86
• Increasing comprehensive and collision deductibles could save up to $625 each year
• Teen drivers pay higher rates, with premiums being up to $470 each month if they have full coverage