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Toyota 86 Car Insurance Cost

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Looking for a new or used Toyota 86? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota 86 facts

  • Average auto insurance premium: $153/month

  • Most affordable companies: State Farm ($109/month) & Progressive ($114/month)

  • 86 insurance cost vs. average rate: $123 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota 86 by model year and auto insurer.

Below average Toyota 86 insurer costs by state:

How much does it cost to insure my Toyota 86?

Select the year of your car

2022 Toyota 86

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Average Cost to Insure Per Year

$1,843

List Price

$30,000

Trims Available

Base - 860 Special Edition - Base 2dr Coupe- Hakone Edition 2dr Coupe - GT 2dr Coupe - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2021 Toyota 86

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Average Cost to Insure Per Year

$1,751

List Price

$28,000

Trims Available

Base - 860 Special Edition - Base 2dr Coupe- Hakone Edition 2dr Coupe - GT 2dr Coupe - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2020 Toyota 86

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Average Cost to Insure Per Year

$1,703

List Price

$27,060

Trims Available

Base - 860 Special Edition - Base 2dr Coupe- Hakone Edition 2dr Coupe - GT 2dr Coupe - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2019 Toyota 86

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Average Cost to Insure Per Year

$1,686

List Price

$27,375

Trims Available

Base - 860 Special Edition - Base 2dr Coupe- Hakone Edition 2dr Coupe - GT 2dr Coupe - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2018 Toyota 86

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Average Cost to Insure Per Year

$1,643

List Price

$26,900

Trims Available

Base - 860 Special Edition - Base 2dr Coupe- Hakone Edition 2dr Coupe - GT 2dr Coupe - with safety features - Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2017 Toyota 86

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Average Cost to Insure Per Year

$1,578

List Price

$26,255

Trims Available

Base - 860 Special Edition

Risk factors affecting Toyota 86 rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Safety Ratings & 86 Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as "Top Safety Pick+" (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn't necessarily mean lower repair costs in the event of an accident. Still, it does protect the car's occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

Methodology

AutoInsureSavings.org collects quotes from the state's largest car insurers for a 30-year-old male or female motorist for our driver profile. Each driver has a clean driving record, and we applied a good driver, anti-theft, and paperless discounts. Price quotes for each insurer are via Quadrant Information Services.

We retrieved quotes for different years of 86's and trim levels from rate data in this instance.

The full coverage policy included:

$50,000 bodily injury liability per person.
$100,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$50,000 uninsured motorist coverage per person.
$100,000 uninsured motorist coverage per accident.

Collision coverage with a $500 deductible.
Comprehensive coverage with a $500 deductible.

AutoInsureSavings.org uses rate data from Quadrant Information Services. We sourced quotes from insurer filings that are publicly available for rate comparison. Your rates will vary when you get quotes. AutoInsureSavings licensed agents recommend getting quotes before purchasing a new or used motor vehicle to find the best savings for your financial situation and expenses. 

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