How much does Toyota 86 car insurance cost?
On average, Toyota 86 drivers spend $110 each month on state minimum car insurance and $231 per month for full coverage. Compared to other popular cars like the Buick Enclave, Mini Cooper, and Kia Forte, the Toyota 86 is 35% less expensive to insure.
However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Toyota 86 insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes
Compare the cheapest Toyota 86 car insurance quotes
This may feel complicated, but it doesn’t have to be. Jerry is a car insurance price comparison tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Toyota 86 drivers save an average of $1,899 per year on their car insurance.
Check out the table below to see real, free quotes that real people have gotten from Jerry.
|
Date
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| November 20, 2024 | Toyota 86 | First Acceptance | $405 | Birdie, 22, Dacula, GA | State Minimum | No |
| November 20, 2024 | Toyota 86 Base | Embark General | $187 | Clarence, 31, Steelton, PA | 25/50 | Yes |
| November 5, 2024 | Toyota 86 | National General | $102 | Pauline, 43, Avondale, AZ | 50/100 | No |
| November 5, 2024 | Toyota 86 Gt | Progressive | $386 | Frank, 22, Layton, UT | 50/100 | Yes |
| October 25, 2024 | Toyota 86 Base | Commonwealth Insurance | $132 | Charlotte, 24, Burleson, TX | State Minimum | No |
However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Toyota 86, you’ll need to get car insurance quotes from at least three insurance companies.
The best car insurance companies for Toyota 86 owners
The best car insurance companies for Toyota 86 owners
There’s no single best insurance company for all Toyota 86 owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to calculate your premiums.
But that doesn’t mean we can’t find the best insurance company for you.
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
| Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How much car insurance do you need for a Toyota 86?
The average cost of Toyota 86 insurance is $231 per month for full coverage and $110 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.
| Car | Average Full Coverage Insurance Cost | Average State Minimum Insurance Cost |
|---|---|---|
| Toyota 86 | $231 | $110 |
- Minimum coverage insurance is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.
- Full coverage insurance provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.
While knowing auto insurance averages can be useful, getting personalized quotes is the best way to shop for insurance. Jerry makes quote shopping easy, finding you the best coverage at the best rate.
Why are some trims more expensive to insure than others?
Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.
Toyota 86 has been in production in Japan since 2013—but this four-seat coupe has only been in North America since 2017. Since 2021, it’s been known as the GR86.
To understand the trim levels on the Toyota 86, you need to know that each year comes with various trim levels and transmission options. Furthermore, trim names change depending on the country.
For instance, let’s consider the 2020 model, which had three trim levels.
The base trim on the 2020 Toyota 86 is available with manual and automatic transmissions. Further up the ladder are the manual Hakone Edition trim (only available this model year) and the GT trim (automatic or manual). The Hakone comes with special green paint and bronze wheels (and higher-than-average insurance costs). Among the 2020 trims, the 86 GT enjoys the best fuel economy and the biggest wheels (18”), but the lowest horsepower. Otherwise, tech and safety features don’t vary much between trims in 2020.
On the 2017 Toyota 86, there were only two trim levels: the base coupe and a nifty 860 Special Edition with unique exterior paint options. Expect this top trim to come with higher insurance costs, too.
Fast forward to 2023, and the 86 is now known as the GR86. It has three trim levels: base, Premium, and a 10th Anniversary Special Edition.
Ultimately, here’s what you need to know: The more unique a trim level is, the more difficult (and costly) it may be to repair and replace parts. Most base 86 models share similar insurance costs, but unique trims may come with extra high costs.
Check out the table below to see the average cost of auto insurance for some popular Toyota 86 trims.
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| 86 Toyota | $138 | $199 |
| 86 Toyota GT | $56 | $308 |
Toyota 86 insurance cost by model year
The more recently your Toyota 86 was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Toyota 86s provided by Jerry to better understand how your driver profile might affect your cost.
2020 Toyota 86 car insurance quotes
The 2020 86 had three trim levels, including a special edition with green body paint. Toyota vehicles have a well-earned reputation for safety and reliability, and the ‘20 86 lives up to this reputation with zero safety recalls from the NHTSA.
This model also earned good ratings for crashworthiness from the IIHS, with only slightly reduced marks in a small overlap crash.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| 2020 Toyota 86 | Progressive | $270 | Lelia, 25 Shelton, NE | 100,000/300,000 Liability Comp / Collision |
| 2020 Toyota 86 | Allstate | $209 | Abbie, 22 El Paso, TX | 50,000/100,000 Liability Comp / Collision |
| 2020 Toyota 86 GT | Clearcover | $278 | Harriet, 44 San Antonio, TX | 50,000/100,000 Liability Comp / Collision |
| 2020 Toyota 86 GT | Gainsco | $378 | Hannah, 28 Mccoy, TX | State Minimum Liability Comp / Collision |
| 2020 Toyota 86 GT | The General | $202 | Randy, 24 Saint George, UT | State Minimum Liability |
2019 Toyota 86 car insurance quotes
One recall—a flaw in the fuel pump—continued to plague the 2019 Toyota 86. Furthermore, the 2019 86 earned 56 complaints ranging from Bluetooth connectivity issues to steering problems.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| 2019 Toyota 86 | Progressive | $196 | Donald, 31 Lexington, SC | 50,000/100,000 Liability Comp / Collision |
| 2019 Toyota 86 | Allstate | $268 | Leona, 31 Hemet, CA | State Minimum Liability Comp / Collision |
| 2019 Toyota 86 | National General | $326 | Jeanette, 54 Metairie, LA | 50,000/100,000 Liability Comp / Collision |
| 2019 Toyota 86 GT | Infinity | $111 | $111 Ricardo, 31 Hayward, CA | State Minimum Liability |
| 2019 Toyota 86 | Clearcover | $128 | Hester, 34 Phoenix, AZ | State Minimum Liability Comp / Collision |
2018 Toyota 86 car insurance quotes
A faulty fuel pump in the 2018 Toyota 86 led to a safety recall from the NHTSA. However, annual maintenance costs are relatively low for this car and its engine has a long life expectancy.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| 2018 Toyota 86 GT | Progressive | $110 | Thomas, 29 Wimauma, FL | State Minimum Liability |
| 2018 Toyota 86 | Allstate | $573 | Clarence, 20 Ellijay, GA | 50,000/100,000 Liability Comp / Collision |
| 2018 Toyota 86 | Clearcover | $158 | Rosa, 33 Phoenix, AZ | State Minimum Liability Comp / Collision |
| 2018 Toyota 86 GT | Mercury | $216 | Etta, 29 Fredericksburg, VA | State Minimum Liability Comp / Collision |
2017 Toyota 86 car insurance quotes
Two recalls were issued for the 2017 model: one for the spare tire (not inflated to the proper pressure) and one for the automatic transmission power train. However, it’s an affordable model with strong customer satisfaction ratings (4.7/5 on Edmunds).
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| 2017 Toyota 86 | National General | $201 | Theresa, 30 Lancaster, PA | 50,000/100,000 Liability Comp / Collision |
| 2017 Toyota 86 | Clearcover | $113 | Jerry, 43 Scottsdale, AZ | State Minimum Liability Comp / Collision |
| 2017 Toyota 86 | Infinity | $206 | Minerva, 30 Miami, FL | State Minimum Liability Comp / Collision |
| 2017 Toyota 86 | Plymouth Rock | $348 | Genevieve, 24 Belleville, NJ | 15,000/30,000 Liability Comp / Collision |
| 2017 Toyota 86 | Electric | $438 | Inez, 25 Severna Park, MD | Severna Park, MD 100,000/300,000 Liability Comp / Collision |
Are Toyota 86s expensive to insure?
The average Toyota 86 insurance rate is $110 per month. Compared to the national average for other models from a similar price range, it is 36% less expensive to insure a Toyota 86 .
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| Toyota 86 | $110 | $231 |
| Mini Cooper | $90 | $166 |
| Jeep Renegade | $99 | $167 |
| Buick Envision | $69 | $175 |
| Ford Thunderbird | $84 | $113 |
Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.
Toyota 86 safety features
The safety features of a model will also impact your insurance costs.
A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features.
The Toyota 86 has a variety of safety features. Learn more about them below.
| Safety feature | Description |
|---|---|
| Overhead airbags | Overhead airbags are used to protect the occupant’s heads in the event of a side collision or rollover. |
| Anti-lock brakes | ABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking. |
| Stability control | Stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle. |
| Pretensioners | Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision. |
| Front-impact airbags | Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash. |
| Security system | The vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used. |
| Side impact airbags | Side impact airbags for the front seats have been designed to protect the torso during a side impact collision. |
What other factors affect Toyota 86 insurance rates?
Many factors influence your car insurance rate, such as:
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
- Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.
Toyota 86 insurance cost for young drivers
Teen drivers between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.
Toyota 86 insurance cost for senior drivers
As you enter your mid-70s, car insurance costs begin to climb again. Car insurance rates for seniors tend to be higher for several reasons.
Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.
Toyota 86 insurance cost for drivers with driving violations
Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for Toyota 86 drivers with speeding ticket
There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.
Jerry is proud to help Toyota 86 drivers with varying speeding tickets save on car insurance.
|
Speeding Type
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Speeding Violation-Major | Toyota 86 Gt | National General | $404 | Mamie, 24, St. George, UT | State Minimum | Yes |
| Speeding Violation-Major | Toyota 86 Gt | Dairyland | $337 | Blake, 39, Tacoma, WA | State Minimum | Yes |
| Speeding Violation-Minor | Toyota 86 | Aspire Advantage | $90 | Sadie, 27, Lemoore, CA | State Minimum | No |
| Speeding Violation-Minor | Toyota 86 Base | The General | $627 | Lucy, 44, Scottsdale, AZ | State Minimum | Yes |
| Speeding Violation-Major | Toyota 86 Gt | Bristol West | $325 | Minerva, 31, Miami Gardens, FL | 100/300 | No |
Cheapest car insurance for Toyota 86 drivers with a DUI record
If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.
You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Toyota 86 drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance for Toyota 86 drivers after an accident
One of the most important factors affecting car insurance rates is your car accident or claim history.
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Toyota 86 drivers save on car insurance after car accidents.
|
Accident type
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| At Fault With No Injury | Toyota 86 | First Acceptance | $405 | Birdie, 22, Dacula, GA | State Minimum | No |
| At Fault With No Injury | Toyota 86 Gt | Progressive | $386 | Frank, 22, Layton, UT | 50/100 | Yes |
| At Fault With No Injury | Toyota 86 Base | Commonwealth Insurance | $132 | Charlotte, 24, Burleson, TX | State Minimum | No |
| At Fault With No Injury | Toyota 86 | Progressive | $144 | Michael, 40, Little Elm, TX | 50/100 | Yes |
| At Fault With No Injury | Toyota 86 Base | National General | $383 | Jennie, 31, San Francisco, CA | State Minimum | Yes |
Cheapest car insurance for Toyota 86 drivers with other driving violations on their record
Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.
We’ve compiled a list of various other driving violations and how we helped Toyota 86 drivers with these violations save on their car insurance.
|
Violation
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Following too Closely | Toyota 86 | First Acceptance | $405 | Birdie, 22, Dacula, GA | State Minimum | No |
| Failure to Obey Signal | Toyota 86 Base | Embark General | $187 | Clarence, 31, Steelton, PA | 25/50 | Yes |
| Failure to Obey Signal | Toyota 86 | National General | $102 | Pauline, 43, Avondale, AZ | 50/100 | No |
| Improper Passing | Toyota 86 Gt | Progressive | $386 | Frank, 22, Layton, UT | 50/100 | Yes |
| Suspension | Toyota 86 Base | Mendota | $510 | Cynthia, 31, Livingston, TX | State Minimum | Yes |
How can I lower the cost of insurance for my car?
There are a variety of ways to lower insurance costs for your vehicle.
- Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
- Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
- Reduce your coverage: If you have any older cars, you can reduce coverage on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
- Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
- Bundle your insurance policies: Bundling your homeowners and auto insurance with the same company can amount to a lower overall bill.
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs. Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
