The annual cost of full coverage car insurance for a Toyota 86 ranges from $1,133 to $7,732. Rates vary widely based on the model year, driver age, address, driving history, and coverage level. MoneyGeek explores Toyota 86 insurance costs and offers insights into the best and most affordable insurers.
Toyota 86 Insurance Cost
Updated: April 11, 2025
Key Takeaways
GEICO offers the most affordable annual rate of $461 for minimum coverage across all Toyota 86 model years.
For a Toyota 86, the average annual insurance cost is $624 for minimum coverage and $1,746 for full coverage.
MoneyGeek analyzed data and 1,195 Toyota 86 insurance quotes from Quadrant Information Services to provide these insights.
Toyota 86 Insurance Rates
What Is the Average Toyota 86 Car Insurance Cost?
Toyota 86 insurance averages $146 per month or $1,746 per year for full coverage, based on a 40-year-old male with a clean driving record. Minimum coverage costs about $52 monthly or $624 annually.
| Minimum Coverage | $624 |
| Full Coverage | $1,746 |
Read more: Average Cost of Car Insurance
Toyota 86 Insurance Costs by Company
Toyota 86 insurance costs range from $1,175 to $2,529 per year, varying by age, model year and coverage level. The table below compares average Toyota 86 insurance rates with the averages for all vehicles from several national and midsize providers.
| Allstate | $1,966 | $1,809 | 9% |
| Auto-Owners | $1,424 | $1,225 | 16% |
| Farmers | $2,529 | $1,952 | 30% |
| GEICO | $1,331 | $1,331 | 0% |
| Kemper | $2,393 | $2,209 | 8% |
| Nationwide | $1,866 | $1,586 | 18% |
| Progressive | $1,850 | $1,741 | 6% |
| State Farm | $1,462 | $1,268 | 15% |
| Travelers | $1,948 | $1,519 | 28% |
| USAA | $1,175 | $1,199 | -2% |
Read more: Best Car Insurance Companies
Cost of Insuring a Toyota 86 by Model Year
The year your Toyota 86 was produced impacts your insurance rates, with older models often being cheaper. For example, a 2020 model has an annual full coverage rate of $1,804, while it's $1,710 for a 2017 model. Below are the average full and minimum coverage rates for every production year.
| 2020 | $628 | $1,804 |
| 2019 | $637 | $1,774 |
| 2018 | $638 | $1,728 |
| 2017 | $641 | $1,710 |
Toyota 86 Insurance Costs by Driver Age
Toyota 86 insurance rates vary greatly depending on the driver's age. For example, 40-year-olds pay an average of $1,754 annually for full coverage, while 16-year-olds pay $7,732. Below are the average minimum and full coverage rates for drivers of different ages.
| 16 | $2,907 | $7,732 |
| 17 | $2,375 | $6,297 |
| 18 | $2,078 | $5,575 |
| 19 | $1,476 | $3,981 |
| 20 | $1,326 | $3,624 |
| 21 | $1,052 | $2,913 |
| 22 | $961 | $2,680 |
| 23 | $892 | $2,504 |
| 24 | $846 | $2,384 |
| 25 | $742 | $2,115 |
| 26 | $722 | $2,038 |
| 27 | $705 | $1,993 |
| 28 | $694 | $1,961 |
| 29 | $684 | $1,933 |
| 30 | $660 | $1,857 |
| 35 | $642 | $1,792 |
| 40 | $636 | $1,754 |
| 45 | $630 | $1,726 |
| 50 | $613 | $1,668 |
| 55 | $596 | $1,616 |
| 60 | $596 | $1,610 |
| 65 | $638 | $1,676 |
| 70 | $692 | $1,792 |
| 75 | $768 | $1,967 |
| 80 | $868 | $2,188 |
| 85 | $939 | $2,349 |
| 90 | $991 | $2,465 |
Toyota 86 Insurance Rates Explained
Several factors affect car insurance rates based on a driver’s profile. Insurers also consider the vehicle’s make, model, age and safety features. Below is a breakdown of how these factors impact your insurance costs.
Toyota 86 Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Toyota 86
Average Full Coverage Rate
$1,746Premiums for Toyota 86 are:$450 more
This is 35% more expensive.
Value
The Toyota 86, a sports car with a $36,240 MSRP, may have higher insurance costs since higher MSRPs often mean higher premiums.
Performance
With 228 horsepower and a 0-to-60 time of 6.2 seconds, the Toyota 86 is a high-performance car. Insurers see high performance as a higher risk, raising insurance costs.
Vehicle age
Newer Toyota 86 models are typically more expensive to insure than older ones, except for collector cars.
Safety features
The Toyota 86 includes safety features like stability control, airbags and antilock brakes, which may qualify for insurance discounts.
Vehicle size
The Toyota 86, weighing 2,841 lbs, is a smaller car, which may have lower insurance costs than larger vehicles.
Trim level
The Toyota 86's higher trim levels like Premium and Trueno often have higher insurance costs due to premium upgrades.
Cheapest Toyota 86 Insurance
GEICO offers the cheapest minimum coverage for a Toyota 86 at $461 per year, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable car insurance across coverage levels, age groups, driving records, model years and more.
Cheapest Toyota 86 Insurance by Coverage Level
The coverage level you choose significantly impacts your Toyota 86 insurance rate. GEICO provides the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Toyota 86 Minimum Coverage
GEICO offers the cheapest minimum coverage for a Toyota 86 at $38 per month. Other providers with competitive rates include State Farm at $43, Travelers at $54 and Progressive at $56.
| USAA | $34 | $414 |
| GEICO | $38 | $461 |
| State Farm | $43 | $514 |
| Travelers | $54 | $654 |
| Progressive | $56 | $677 |
| Allstate | $59 | $711 |
| Nationwide | $62 | $748 |
| Farmers | $65 | $781 |
*GEICO offers non-military-affiliated Toyota 86 owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Toyota 86 Insurance Rates by Model Year
Because the above list doesn't consider the Toyota 86's production year, you might find lower rates based on your vehicle's age. To find the most affordable minimum coverage rates, filter the table below for each model year.
Data filtered by:Results filtered by:
Select
Model Year:2017
| Allstate | $730 | $61 |
| Farmers | $783 | $65 |
| GEICO | $463 | $39 |
| Nationwide | $761 | $63 |
| Progressive | $673 | $56 |
| State Farm | $538 | $45 |
| Travelers | $657 | $55 |
| USAA | $409 | $34 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Toyota 86 Insurance
GEICO offers the most affordable full coverage insurance for a Toyota 86 at $1,295 annually or $108 monthly. Below is the complete list of full coverage providers and rates.
| USAA | $94 | $1,133 |
| GEICO | $108 | $1,295 |
| State Farm | $118 | $1,417 |
| Nationwide | $146 | $1,749 |
| Progressive | $150 | $1,802 |
| Allstate | $156 | $1,873 |
| Travelers | $160 | $1,925 |
| Farmers | $196 | $2,352 |
*On average, GEICO is the cheapest insurer for non-military-affiliated Toyota 86 owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Toyota 86 Insurance by Age
Younger drivers aged 16 to 25 and seniors aged 55 and up often pay more for Toyota 86 insurance. Below is a breakdown of the cheapest options by age.
Cheapest Toyota 86 Insurance for Young Drivers
GEICO offers the cheapest Toyota 86 insurance for drivers aged 16 to 25 at $89 monthly or $1,070 annually for minimum coverage. Below is the complete list of the cheapest auto insurance for Toyota drivers.
| USAA | $71 | $855 |
| GEICO | $89 | $1,070 |
| State Farm | $94 | $1,131 |
| Travelers | $112 | $1,348 |
| Allstate | $134 | $1,606 |
| Progressive | $167 | $2,002 |
| Nationwide | $167 | $2,004 |
| Farmers | $173 | $2,077 |
*GEICO is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Toyota 86 Insurance for Seniors
GEICO offers the cheapest car insurance for seniors aged 55 and up at $45 monthly or $543 annually. Check the full list of affordable Toyota 86 insurers below.
| GEICO | $45 | $543 |
| USAA | $46 | $547 |
| State Farm | $47 | $566 |
| Travelers | $64 | $770 |
| Progressive | $69 | $831 |
| Allstate | $72 | $861 |
| Nationwide | $73 | $879 |
| Farmers | $88 | $1,057 |
Cheapest Toyota 86 Insurance After an Accident
For Toyota 86 drivers, State Farm, GEICO and Travelers are the most affordable car insurance providers after an accident. Explore the complete list below for more options.
| USAA | $52 | $624 |
| State Farm | $54 | $645 |
| GEICO | $60 | $718 |
| Travelers | $79 | $945 |
| Allstate | $82 | $982 |
| Progressive | $92 | $1,104 |
| Nationwide | $97 | $1,168 |
| Farmers | $127 | $1,529 |
*State Farm provides the lowest rates for non-military-affiliated, at-fault Toyota 86 drivers. USAA is the most affordable option for military-affiliated drivers.
Toyota 86 Insurance Cost: Bottom Line
Regularly compare car insurance rates to find the most affordable option. This article covers Toyota 86 insurance costs across demographics and highlights the cheapest providers.
Toyota 86 Insurance Rates: FAQ
Below are some frequently asked questions about the insurance costs for a Toyota 86.
What company has the cheapest car insurance for a Toyota 86?
GEICO is the cheapest insurance provider for a Toyota 86, with an annual minimum coverage rate of $461.
What is the average cost of car insurance for a Toyota 86?
The average annual insurance cost for a Toyota 86 is $624 for minimum coverage and $1,746 for full coverage.
Toyota 86 Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 1,195 Toyota 86 insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Toyota 86:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Toyota 86 insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Toyota 86.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.