1986 Holden Commodore - car insurance quotes

How much does it cost to insure a  Holden Commodore VK Automatic 3.298 cc in 2023?

---

The average insurance rate is at $1,781 per year for  adults, $2,955 for  teens and $1,478 for  senior drivers.

How much does 1986 Holden Commodore car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Holden Commodore (VK Automatic) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Holden Commodore is above $124 a month ($1.484 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Holden you drive (https://www.holden.com.au/)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Holden model with 118 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Holden Commodore if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.

On average, car insurance cost for a 1986 Holden Commodore is $124 a month, which is around $1.484 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How much is car insurance for a 39-year-old classic car?

If you are an owner of 39-years-old Holden Commodore classic car, you are a happy holder of a collector's, historic, vintage or even antique car. Older vehicles are typically cheaper to insure because they are less valuable than newer models. This, unfortunately, does not apply to classic, special and historic cars older than 35 years, such as Holden Commodore made in 1986. How can you lower the cost of your classic car insurance? Limit your mileage and increase your security! Most collectible, antique and classic vehicles are poorly protected against theft. Buy and install a tracking device, alarm or anti-theft system into your 1986 Commodore. Given that collector and historic automobiles are not just "consumer" vehicles, it is very important to buy a specialised classic car insurance policies to protect these antique vehicles against damage, vandalism and the increased risk of theft.

---

Your vehicle's performance is another important factor that determines your auto insurance rates. Holden Commodore, VK Automatic has engine power of 3298 cc, which means it's a high performance car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates (). If you are looking for high performance classic car (lots of horsepower) as well as affordable insurance rates for your historic 1986 Holden Commodore, choose an insurer wisely. If you’re looking for antique car insurance coverage, you might need to find trusted and experienced insurance agent in your area who will assure you car insurance tailored to your specific needs.

Compare 1986 Holden Commodore car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Holden, Commodore is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Holden (made in 1986) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Holden Commodore auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!

How much is car insurance for a 1986 Holden Commodore in 2023? As you can see below, the lowest rates are around $1319.2, while the highest ones fluctuate around $2770.32 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.

Insurance Company	Annual Rates (Estimate*)
GEICO	$1,405
American Family	$1,372
Erie	$1,371
Progressive	$1,615
State Farm	$1,778
Auto Owners	$1,580
State Auto	$1,873
Nationwide	$1,822
Farmers	$1,590
Allstate	$2,255
Safe Auto	$2,386
MetLife	$2,546
Victoria	$2,702
Allied	$1,906
Liberty Mutual	$2,273
Encompass	$2,830
* Just a rough estimate for 1986 Holden Commodore, VK Automatic

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Commodore, make Holden) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Holden, Commodore will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?

• Don't ignore small regional insurers.
• Review your existing coverage and choose a higher deductible.
• Shopping around is the key to saving money on car insurance.
• Negotiate with an agent or directly with auto insurance company.
• Check for 1986 Commodore car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
• If you don't qualify for these discounts, explore other options available or switch the insurance company.
• Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 1986 Holden Commodore auto insurance rates by state!

How to calculate premium for Holden Commodore (1986) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 1986 Commodore (VK Automatic) car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).

Rank	State	Lowest Rates	Highest Rates
1	Vermont	$989	$1,385
2	Ohio	$1,003	$1,412
3	Idaho	$1,029	$1,451
4	Virginia	$1,069	$1,517
5	Iowa	$1,108	$1,570
6	New Hampshire	$1,161	$1,596
7	Wisconsin	$1,174	$1,636
8	North Dakota	$1,200	$1,728
9	Indiana	$1,227	$1,820
10	North Carolina	$1,253	$1,886
11	Pennsylvania	$1,266	$1,992
12	Utah	$1,293	$2,018
13	Maine	$1,306	$2,058
14	Massachusetts	$1,332	$2,098
15	Alaska	$1,346	$2,124
16	Tennessee	$1,359	$2,177
17	South Dakota	$1,372	$2,295
18	Nebraska	$1,385	$2,361
19	Minnesota	$1,398	$2,401
20	Illinois	$1,398	$2,441
21	Hawaii	$1,412	$2,493
22	Alabama	$1,425	$2,533
23	Oregon	$1,438	$2,572
24	Missouri	$1,451	$2,665
25	Washington	$1,517	$2,757
26	South Carolina	$1,530	$2,823
27	Kansas	$1,570	$2,876
28	New Mexico	$1,596	$2,942
29	Arizona	$1,636	$2,968
30	New York	$1,662	$2,981
31	National average	$1,715	$3,021
32	New Jersey	$1,741	$3,113
33	West Virginia	$1,794	$3,140
34	Mississippi	$1,834	$3,179
35	Maryland	$1,873	$3,219
36	Montana	$1,926	$3,285
37	Nevada	$1,966	$3,311
38	Arkansas	$1,992	$3,364
39	Kentucky	$2,005	$3,417
40	Oklahoma	$2,071	$3,456
41	Wyoming	$2,111	$3,483
42	Colorado	$2,163	$3,549
43	Texas	$2,203	$3,575
44	Delaware	$2,256	$3,628
45	Georgia	$2,309	$3,641
46	California	$2,361	$3,681
47	DC	$2,401	$3,707
48	Connecticut	$2,454	$3,747
49	Rhode Island	$2,480	$3,760
50	Florida	$2,520	$3,839
51	Louisiana	$2,572	$3,892
52	Michigan	$2,625	$3,958
* Compare 1986 Holden Commodore car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Is it a good idea for a young driver to drive a car like 1986 Holden Commodore (Automatic transmission, 2600 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Holden Commodore annual insurance cost for a 16 year old is approximately $3034.16, while the cost of the same coverage for seniors aged 70 - 74 is $1398.352. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Holden, Commodore have 3298 cc, 118 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?

Your Age	Average Rate (Estimate*)
16 - 19	$2,902
20 - 24	$2,823
25 - 29	$2,375
30 - 34	$2,045
35 – 39	$1,649
40 – 44	$1,715
45 – 49	$1,570
50 – 54	$1,372
55 – 59	$1,689
60 – 64	$1,412
65 – 69	$1,478
70 – 74	$1,332
75 and more	$1,372
* Rough estimate for teens, adults and seniors who are driving Holden Commodore (1986)

Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $1,121 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Holden, Commodore good for senior drivers? If you have questions or issues relevant to Holden Commodore or another vehicle, please ask in the discussion.

You know you need to insure your 1986 Rear Holden, Commodore, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Holden Commodore: Exterior Specs, Features & Options

The engine of Holden, Commodore (6 cyl) is mated to a Automatic transmission, that in this case, sends power to the Rear. Commodore Sedan, 3298 CC (liter), 118 ps (98.6% of a brake horsepower) is matched to an VK Automatic for 1986. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Holden, Commodore has horsepower of 118 ps & 3298 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model VK Automatic has an engine torque of 232 nm & 2600 rpm. The power and maximum speed of the Holden Commodore vehicle (sorry, we do not know how fast will Holden, Commodore accelerate to 100 km per hour/100 Kph & sorry, we do not know the maximum speed of Holden, Commodore Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1220 kg is the weight of this model), its engine torque and the engine rotation speed.