Toyota 86 insurance averages $199 monthly for full coverage and $103 for minimum coverage. Depending on your particular trim and model year, you'll pay between $97 and $214 monthly.
Toyota 86 Insurance Cost
Updated: March 10, 2026
Key Takeaways
GEICO offers the most affordable Toyota 86 insurance on average, though full coverage costs vary by model year and company at around $199 monthly. Read more
Sports cars have higher premiums due to performance capabilities and theft risks, but the Toyota 86 ranks 23rd out of 115 sports cars for affordability in the US market. Read more
For the most accurate rates, check costs specific to your 86's model year, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific 86 model years, depending on the age of the drivers
How Much Is Toyota 86 Insurance?
| Toyota 86 | $103 | $199 |
Looking for another Toyota model? Read more about the cost of Toyota car insurance models.
Toyota 86 insurance costs range from $97 monthly for older models to $212 for the newest ones. Your car's age greatly affects insurance rates, and the Toyota 86 is no exception since newer vehicles have higher fair market values that cost more to insure.
Insurance costs for a Toyota 86 depend on model year and company. Full coverage goes from $133 monthly with GEICO to $344 with AIG, while minimum coverage ranges from $61 with GEICO to $167 with Farmers.
Toyota 86 owners should shop between insurers since minimum coverage varies by over $106 and full coverage by over $211. Each company calculates risk differently for the Toyota 86, affecting your final quote.
| AAA | $114 | $236 |
| AIG | $139 | $344 |
| Allstate | $125 | $243 |
| Amica | $124 | $255 |
| Chubb | $120 | $241 |
| Farmers | $167 | $295 |
| Geico | $61 | $133 |
| Kemper | $100 | $204 |
| Nationwide | $124 | $215 |
| Progressive | $94 | $175 |
| State Farm | $107 | $222 |
| The Hartford | $108 | $184 |
| Travelers | $94 | $174 |
| UAIC | $146 | $182 |
Is Toyota 86 Expensive to Insure?
MoneyGeek's analysis of 115 sports cars reveals the Toyota 86 ranks 23rd for affordability, meaning 22 vehicles cost less to insure. It's positioned between the slightly cheaper Nissan 370Z and the marginally pricier Mercedes SLC, placing it in the middle tier among sports cars. This ranking shows it's neither the most affordable nor the most expensive option within its category.
The Toyota 86 ranks 519th out of 827 vehicles for insurance cost, landing in the more expensive half overall. Sports cars run pricier to insure as a category, and the 86 is no exception. The Mazda MX-5 Miata is the cheapest sports car to insure; the Rolls Royce La Rose Noire is the most expensive.
| BMW Z4 | $144 | 20 |
| Fisker Karma | $144 | 21 |
| Nissan 370Z | $145 | 22 |
| Mercedes SLC | $151 | 23 |
| Toyota 86 | $151 | 23 |
| Chevrolet Corvette | $153 | 24 |
| Toyota Supra | $153 | 25 |
| Lotus Exige | $155 | 26 |
Three things affect what you pay to insure a Toyota 86:
- Average Repair or Replacement Costs: At $678 per year, the 86 ranks 10th most affordable to maintain across Toyota's 32 models. Lower repair bills keep premiums from climbing as high as other sports cars.
- Vehicle Trim, Features and Accessories: Horsepower runs from 205 to 228 depending on trim. More power means higher risk for insurers, and higher risk means a higher premium.
- Driver Profile: The 86's median driver age is 30 to 40, but younger drivers pay considerably more. Insurers price in the risk-taking behaviors the vehicle's performance reputation attracts. Read more about the costs of Toyota 86s for young drivers.
Toyota 86 Costs by Model Year and Driver Age by Insurance Company
Drivers aged 35 to 55 pay $204 per month to insure a 2017 Toyota 86 and $217 for a 2020 model. Newer vehicles cost more to insure because they cost more to repair and replace. Teen and early-twenties drivers pay steeper rates across every Toyota 86 model year.
GEICO offers the lowest rates across all Toyota 86 model years and could save you hundreds monthly compared to average costs. Shopping between insurers gives you the best opportunity to reduce your insurance expenses.
Cost of Car Insurance for 2020 Toyota 86
| Geico | $61 | $133 |
| National General | $78 | $160 |
| Progressive | $90 | $167 |
| Travelers | $94 | $175 |
| Kemper | $100 | $205 |
| State Farm | $105 | $221 |
| The Hartford | $108 | $184 |
| AAA | $113 | $235 |
| Chubb | $121 | $242 |
| Allstate | $123 | $239 |
| Nationwide | $123 | $213 |
| Amica | $124 | $255 |
| AIG | $137 | $340 |
| UAIC | $144 | $180 |
| Farmers | $170 | $300 |
2020 Toyota 86 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $753 | $549 | $461 | $335 | $288 | $233 | $214 | $177 | $168 | $152 |
| State Farm | $832 | $732 | $646 | $559 | $493 | $419 | $381 | $340 | $310 | $273 |
| Nationwide | $968 | $886 | $816 | $693 | $585 | $379 | $352 | $328 | $310 | $278 |
| Travelers | $1,045 | $765 | $609 | $471 | $418 | $302 | $277 | $257 | $238 | $202 |
| Allstate | $1,135 | $890 | $718 | $529 | $475 | $371 | $336 | $318 | $300 | $265 |
| Progressive | $1,215 | $981 | $813 | $452 | $395 | $319 | $285 | $254 | $234 | $201 |
| Farmers | $1,875 | $1,390 | $1,236 | $769 | $726 | $553 | $492 | $471 | $447 | $376 |
Cost of Car Insurance for 2019 Toyota 86
| Geico | $60 | $131 |
| National General | $77 | $157 |
| Progressive | $88 | $165 |
| Travelers | $93 | $173 |
| Kemper | $99 | $202 |
| State Farm | $104 | $217 |
| The Hartford | $106 | $181 |
| AAA | $112 | $232 |
| Chubb | $119 | $238 |
| Allstate | $121 | $235 |
| Nationwide | $121 | $210 |
| Amica | $122 | $252 |
| AIG | $135 | $335 |
| UAIC | $142 | $177 |
| Farmers | $168 | $295 |
2019 Toyota 86 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $742 | $541 | $454 | $330 | $284 | $229 | $211 | $175 | $165 | $150 |
| State Farm | $819 | $721 | $637 | $550 | $486 | $413 | $375 | $334 | $306 | $269 |
| Nationwide | $954 | $873 | $804 | $682 | $577 | $374 | $346 | $323 | $305 | $273 |
| Travelers | $1,030 | $754 | $599 | $464 | $412 | $298 | $273 | $253 | $234 | $199 |
| Allstate | $1,118 | $877 | $707 | $521 | $467 | $365 | $331 | $313 | $295 | $261 |
| Progressive | $1,197 | $966 | $801 | $446 | $389 | $314 | $280 | $250 | $230 | $198 |
| Farmers | $1,846 | $1,369 | $1,218 | $758 | $716 | $545 | $485 | $464 | $440 | $370 |
Cost of Car Insurance for 2018 Toyota 86
| Geico | $65 | $141 |
| National General | $82 | $169 |
| Travelers | $99 | $183 |
| Progressive | $105 | $196 |
| Kemper | $105 | $214 |
| The Hartford | $114 | $194 |
| State Farm | $114 | $238 |
| AAA | $121 | $251 |
| Chubb | $127 | $254 |
| Amica | $132 | $271 |
| Nationwide | $134 | $231 |
| Allstate | $135 | $261 |
| AIG | $150 | $370 |
| UAIC | $157 | $196 |
| Farmers | $174 | $306 |
2018 Toyota 86 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $796 | $581 | $487 | $354 | $304 | $246 | $226 | $187 | $177 | $161 |
| State Farm | $896 | $788 | $697 | $602 | $531 | $452 | $410 | $366 | $334 | $295 |
| Nationwide | $1,049 | $961 | $885 | $751 | $634 | $411 | $381 | $355 | $336 | $300 |
| Travelers | $1,113 | $799 | $630 | $485 | $428 | $313 | $286 | $264 | $244 | $211 |
| Allstate | $1,241 | $972 | $785 | $582 | $522 | $406 | $369 | $349 | $329 | $291 |
| Progressive | $1,434 | $1,155 | $957 | $531 | $464 | $375 | $334 | $298 | $274 | $235 |
| Farmers | $1,920 | $1,424 | $1,266 | $786 | $741 | $563 | $502 | $480 | $456 | $383 |
Cost of Car Insurance for 2017 Toyota 86
| Geico | $57 | $124 |
| National General | $73 | $149 |
| Travelers | $88 | $162 |
| Progressive | $92 | $173 |
| Kemper | $93 | $189 |
| The Hartford | $100 | $171 |
| State Farm | $101 | $210 |
| AAA | $107 | $221 |
| Chubb | $112 | $224 |
| Amica | $116 | $239 |
| Nationwide | $118 | $203 |
| Allstate | $119 | $231 |
| AIG | $132 | $327 |
| UAIC | $138 | $172 |
| Farmers | $153 | $270 |
2017 Toyota 86 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $701 | $512 | $430 | $312 | $268 | $217 | $200 | $165 | $156 | $142 |
| State Farm | $790 | $695 | $614 | $531 | $468 | $398 | $362 | $323 | $295 | $260 |
| Nationwide | $925 | $847 | $781 | $662 | $559 | $363 | $336 | $313 | $296 | $265 |
| Travelers | $982 | $704 | $556 | $428 | $377 | $276 | $252 | $233 | $215 | $186 |
| Allstate | $1,094 | $857 | $692 | $513 | $460 | $358 | $325 | $307 | $290 | $256 |
| Progressive | $1,264 | $1,018 | $844 | $468 | $409 | $330 | $294 | $263 | $242 | $207 |
| Farmers | $1,693 | $1,256 | $1,116 | $693 | $654 | $497 | $442 | $423 | $402 | $338 |
Toyota 86 Insurance Cost by Trim
Trim level moves the needle on insurance cost. Minimum coverage on a base 860 Special Edition Coupe 2d runs $97 per month. Full coverage on a high-performance GT Black Coupe 2d reaches $214. Performance features, rarity and market value all push the rate up.
| 860 Special Edition Coupe 2d | $97 | $188 |
| Trd Special Edition Coupe 2d | $101 | $196 |
| Hakone Edition Coupe 2d | $102 | $197 |
| Gt Coupe 2d | $102 | $197 |
| Coupe 2d | $103 | $199 |
| Gt Black Coupe 2d | $111 | $214 |
Toyota 86 Insurance Cost by State
Minimum coverage for the Toyota 86 runs $37 per month in Wyoming and $204 in Louisiana. The car is identical in both states; local risk profiles and insurance regulations create the gap.
| Alabama | $93 | $175 |
| Alaska | $71 | $150 |
| Arizona | $140 | $259 |
| Arkansas | $83 | $183 |
| California | $98 | $198 |
| Colorado | $97 | $233 |
| Connecticut | $140 | $240 |
| Delaware | $138 | $231 |
| Florida | $126 | $292 |
| Georgia | $139 | $231 |
| Hawaii | $56 | $125 |
| Idaho | $58 | $118 |
| Illinois | $93 | $174 |
| Indiana | $65 | $127 |
| Iowa | $57 | $136 |
| Kansas | $73 | $170 |
| Kentucky | $125 | $211 |
| Louisiana | $204 | $431 |
| Maine | $54 | $112 |
| Maryland | $153 | $258 |
| Massachusetts | $100 | $214 |
| Michigan | $162 | $314 |
| Minnesota | $86 | $179 |
| Mississippi | $96 | $187 |
| Missouri | $126 | $249 |
| Montana | $76 | $179 |
| Nebraska | $71 | $161 |
| Nevada | $176 | $318 |
| New Hampshire | $74 | $131 |
| New Jersey | $156 | $256 |
| New Mexico | $82 | $183 |
| New York | $118 | $211 |
| North Carolina | $79 | $156 |
| North Dakota | $64 | $139 |
| Ohio | $78 | $152 |
| Oklahoma | $91 | $202 |
| Oregon | $122 | $212 |
| Pennsylvania | $92 | $213 |
| Rhode Island | $126 | $223 |
| South Carolina | $103 | $192 |
| South Dakota | $56 | $170 |
| Tennessee | $81 | $164 |
| Texas | $122 | $252 |
| Utah | $107 | $182 |
| Vermont | $50 | $118 |
| Virginia | $98 | $159 |
| Washington | $94 | $175 |
| West Virginia | $89 | $181 |
| Wisconsin | $68 | $150 |
| Wyoming | $37 | $116 |
How to Lower the Cost of Toyota 86 Insurance
Lower your Toyota 86 insurance costs with these strategies:
- 1Choose the right coverage
Coverage level depends on whether you own, finance or lease. Own the 86 outright: state minimum liability plus comprehensive and collision with a $1,000 deductible keeps costs down.
- 2Research costs and cheap companies
Before shopping, check average auto insurance costs for sports cars. This makes it easier to spot real deals among the affordable insurers and filter out inflated quotes.
- 3Look for more than just low rates
A cheap quote from an unreliable insurer costs more in the long run. Before buying car insurance, check J.D. Power satisfaction ratings.
- 5Consider alternative car insurance types
Drive the 86 responsibly and infrequently? Usage-based programs like Progressive Snapshot or Allstate Drivewise price your premium on driving behavior.
Toyota 86 Insurance Cost: Bottom Line
Insuring a Toyota 86 costs more than average, but you can still find affordable rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Toyota 86 Insurance Rates: FAQ
What is the average cost of car insurance for a Toyota 86?
Toyota 86 insurance costs $1,233 annually for minimum coverage and $2,383 yearly for full coverage. These rates average $103 and $199 monthly, respectively.
What company has the cheapest car insurance for a Toyota 86?
GEICO provides the most affordable coverage for Toyota 86 owners, with minimum coverage starting at $732 annually. Toyota 86 drivers seeking full coverage will also find that GEICO offers the best value at $1,596 per year.
Are Toyota 86s expensive to insure?
No, Toyota 86 insurance is not more expensive than most vehicles. Among sports cars specifically, it places 23rd out of 115 for affordability. Overall, this model ranks 519th out of 827 vehicles we track.
What factors affect insurance costs for Toyota 86s?
Various factors affect Toyota 86 insurance rates. Sports car characteristics and performance capabilities can increase premiums since insurers view them as higher-risk vehicles. Your personal driving record and credit score impact costs, along with the coverage levels you select.
How can I lower Toyota 86 insurance costs?
Compare quotes from multiple insurers since Toyota 86 pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to secure better rates.
How We Determined Toyota 86 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Toyota 86 insurance costs.
Who We Based These Rates On
These Toyota 86 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.