Toyota 86 Insurance Rates
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UPDATED: Aug 24, 2022
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The average insurance rates for a Toyota 86 are $1,510 a year with full coverage. Comprehensive costs an estimated $310, collision insurance costs $612, and liability insurance costs $430. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs around $3,286. Teen drivers cost the most to insure at up to $5,640 a year.
Average premium for full coverage: $1,510
Policy rates broken down by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all 86 models.
Price Range Variability
For the normal driver, Toyota 86 insurance rates range from as low as $486 for just liability insurance to the much higher price of $3,286 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.
The examples above demonstrate why everyone should compare rates for a targeted area and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details average Toyota 86 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $857
- Drivers who choose higher $1,000 deductibles will pay approximately $208 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,510
- Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,920
- High risk drivers with multiple violations and an at-fault accident could pay up to $3,286
- Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,640 a year
Auto insurance rates for a Toyota 86 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $5,600 a year. View Rates by Age
Your home state makes a big difference in Toyota 86 insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,040 on average in New York, Michigan, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $620 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,800 to $2,500 in extra premium every year, depending on your age. Toyota 86 insurance for high-risk drivers can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2019 Toyota 86||$310||$612||$430||$1,510|
|2017 Toyota 86||$282||$548||$452||$1,440|
Rates are averaged for all Toyota 86 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Toyota 86 Insurance
Finding cheaper rates on Toyota 86 insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a condensed summary of the car insurance concepts presented in the illustrations above.
- High-risk drivers with multiple at-fault accidents may pay on average $1,780 more annually for car insurance
- You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $625 each year
- Drivers who want higher liability limits will pay about $470 every year to go from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$115|
|5-yr Claim Free||$99|
|Paid in Full/EFT||$71|
Discounts are estimated and may not be available from every company or in every state.
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