Compare the Cost of Toyota 86 Insurance by Model Year and Company

MoneyGeek found that the average cost of insuring a Toyota 86 car is $1,629 per year. Compared to the average car model, it is more expensive to insure. Keep in mind that rates can vary depending on your choice of insurer and the model year of the car.

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Last Updated: 8/23/2022
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It pays to shop around and compare rates when looking for an insurance policy for your Toyota 86. This is a great way to secure the best deal because different insurers can have different insurance rates for the same car. The cheapest insurance company can change depending on the model year of your car.

Key Takeaways for Toyota 86 Insurance

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It costs $1,629 per year on average to insure a Toyota 86. This is $202 higher than the rate for the average car model.

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The cost to insure a Toyota 86 can change by as much as $1,066 per year depending on the company.

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The cost of insurance for a Toyota 86 can change by as much as $110 per year, depending on how old your car is, with older cars fetching cheaper rates.

How Much It Costs to Insure a Toyota 86 and the Cheapest Company

Your choice of insurer can significantly affect your insurance rates. On average, you’ll pay $1,629 per year to insure a Toyota 86, but costs can vary depending on your provider.

Based on our analysis, GEICO offers the cheapest widely available insurance at $1,261.

USAA is another affordable option if you have a military background. Their policy costs $1,184 yearly. That’s $1,066 cheaper than Allstate, which offers the most expensive policy at an average of $2,251.

The Average Annual Cost of Toyota 86 Insurance by Company

To conduct this analysis, MoneyGeek compared insurance quotes from multiple car insurance companies using a 40-year-old male sample driver profile. The driver has 100/300/100 liability insurance with comprehensive and collision coverage.

The Average Cost to Insure a Toyota 86 by Company

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Is a Toyota 86 Expensive to Insure?

Car insurance companies use several factors to determine the cost of car insurance for any given car. This includes theft rates, the car’s value and more.

A Toyota 86 is designated as a sports car. Sports cars are more expensive to insure because their drivers are seen to be more likely to engage in risky driving behaviors, making them more likely to file a claim.

The Best Car Insurance Company for a Toyota 86

Cost shouldn’t be your only consideration when looking to buy Toyota 86 insurance. Though it is a crucial factor, it's still best to consider other factors.

MoneyGeek’s rating system, which is based on factors like customer satisfaction and financial stability, found that:

  • USAA is the best car insurance company for a Toyota 86, but is only available for military members and their families.
  • GEICO is the second-best insurance provider for a Toyota 86 and is available to all drivers.

1
USAA
Score:99

5/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:88

4.9/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Progressive
Score:84

4.5/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
Nationwide
Score:81

4.1/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

5
State Farm
Score:80

4/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

6
Allied
Score:NaN

3.1/5

Affordability

#N/A

Claims Ratings

#N/A

User Satisfaction

#N/A

Financial Stability

7
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Toyota 86 by Model Year

Older versions of a Toyota 86 tend to be cheaper to insure because as a car’s value depreciates, collision and comprehensive insurance also become less expensive.

For instance, a 2020 Toyota 86 costs an average of $1,684 per year to insure. In comparison, a 2017 model is $110 cheaper, at an average of $1,574 annually.

Here are the average insurance costs for the Toyota 86 by model year:

  • 2017 Toyota 86: $1,574 per year
  • 2018 Toyota 86: $1,620 per year
  • 2019 Toyota 86: $1,656 per year
  • 2020 Toyota 86: $1,684 per year

Different insurers may offer cheaper rates depending on the car’s model year. At an average of $1,129 annually, USAA offers the cheapest insurance for the 2020 Toyota 86.

You can scroll to your car’s model year to see how rates between insurers vary.

The Average Cost to Insure a Toyota 86 by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
  • 1.
    $1,129
    $1,158
    $1,193
    $1,240
  • 2.
    $1,271
    $1,266
    $1,260
    $1,252
  • 3.
    $1,509
    $1,476
    $1,435
    $1,381
  • 4.
    $1,653
    $1,669
    $1,690
    $1,717
  • 5.
    $1,758
    $1,730
    $1,694
    $1,648

How Expensive Is It to Insure a Toyota 86 Compared to Other Cars?

Compared to other car models, the cost of insurance for the Toyota 86 is on the expensive side. On average, you pay $1,629 per year for coverage. This is roughly $202 per year more than the average insurance cost for other car models.

How Much It Costs to Insure a Toyota 86 for 16- to 25-Year-Olds

Your age can significantly affect the cost of insurance for a Toyota 86. Younger drivers can pay significantly more for car insurance given their inexperience.

On average, an 18-year-old will pay $5,316 per year to insure a Toyota 86. A 40-year-old driver will pay roughly $3,688 per year less for the same car.

Teen drivers and their parents can often save money by being on the same policy, as it can be very expensive for a teen to buy a policy for themselves.

You can use the table below to see the average cost to insure a Toyota 86 by driver age.

The Average Cost to Insure a Toyota 86 by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $6,816
  • 17
    $6,038
  • 18
    $5,316
  • 19
    $3,808
  • 20
    $3,399
  • 21
    $2,690
  • 22
    $2,478
  • 23
    $2,268
  • 24
    $2,128
  • 25
    $1,931
  • 40
    $1,629

How Does Location Affect the Cost of Toyota 86 Insurance?

The costs referenced in this article are based on a national average. Keep in mind that your location can significantly affect your car insurance rates. You can use our state page analysis to learn more about car insurance costs in each state.

FAQs About Toyota 86 Insurance

Your car’s model can have a big impact on your car insurance rates, but it’s just one of many factors. Learn more about insuring a Toyota 86 with these questions.

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Methodology

MoneyGeek gathered thousands of insurance rates for the base model of a Toyota 86 across all available model years. In this case, the driver is a 40-year-old male with a full coverage policy with the following coverages:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.