Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Toyota 86 insurer costs by state:

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. 

2022 Toyota 86

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1869
American Family$1662
Country Financial$2034
Erie$1251
GEICO$1415
Liberty Mutual$1561
Mercury$1759
MetLife$2151
Nationwide$1452
Progressive$1338
State Farm$1306
Tennessee Farmers$1705
Travelers$1903
USAA$1159

Compare all 2022 Toyota 86 rates

Average Cost to Insure Per Year

$1843

List Price

$30000

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1825
American Family$1606
Country Financial$1955
Erie$1125
GEICO$1362
Liberty Mutual$1539
Mercury$1716
MetLife$2139
Nationwide$1405
Progressive$1203
State Farm$1163
Tennessee Farmers$1655
Travelers$1857
USAA$1086

Compare all 2021 Toyota 86 rates

Average Cost to Insure Per Year

$1751

List Price

$28000

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1821
American Family$1581
Country Financial$1935
Erie$1121
GEICO$1240
Liberty Mutual$1529
Mercury$1709
Nationwide$1319
Progressive$1180
State Farm$1126
Tennessee Farmers$1653
Travelers$1856
USAA$1022

Compare all 2020 Toyota 86 rates

Average Cost to Insure Per Year

$1703

List Price

$27060

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1798
American Family$1528
Country Financial$1900
Erie$1025
GEICO$1236
Liberty Mutual$1516
Mercury$1698
Nationwide$1303
Progressive$1157
State Farm$1068
Tennessee Farmers$1600
Travelers$1825
USAA$968

Compare all 2019 Toyota 86 rates

Average Cost to Insure Per Year

$1686

List Price

$27375

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1739
American Family$1489
Country Financial$1865
Erie$911
GEICO$1159
Kentucky Farm Bureau$1968
Liberty Mutual$1465
Mercury$1652
Nationwide$1278
Progressive$1036
State Farm$1025
Tennessee Farmers$1570
Travelers$1775
USAA$865

Compare all 2018 Toyota 86 rates

Average Cost to Insure Per Year

$1643

List Price

$26900

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1452
Allstate$ 1452
Amica$ 2483
Amica$ 2483
Arbella$ 1985
Arbella$ 1985
GEICO$ 1960
GEICO$ 1960
Liberty Mutual$ 3840
Liberty Mutual$ 3840
MetLife$ 2820
MetLife$ 2820
Plymouth Rock Insurance$ 810
Plymouth Rock Insurance$ 810
Progressive$ 956
Progressive$ 956
Quincy Mutual$ 1157
Quincy Mutual$ 1157
State Farm$ 1161
State Farm$ 1161
Texas Farm Bureau$ 1453
Texas Farm Bureau$ 1453
USAA$ 1173
USAA$ 1173

Compare all 2017 Toyota 86 rates

Average Cost to Insure Per Year

$ 1578

List Price

$ 26255

Trims Available

Base - 860 Special Edition