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: January 29, 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.
While middle-pack among sports cars, the Toyota 86 sits at 519th out of 827 total vehicles, putting it among the more expensive models to insure overall. Sports cars naturally carry higher premiums, and the Toyota 86 reflects this trend. The Mazda MX-5 Miata offers the lowest sports car insurance rates, while the Rolls Royce La Rose Noire commands the highest.
| 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 |
Several factors affect what you'll pay for Toyota 86 insurance:
- Average Repair or Replacement Costs: Toyota 86 repair costs average $678 annually, making it the 10th most affordable model to maintain out of Toyota's 32 vehicles. This relatively low maintenance expense helps keep insurance premiums reasonable.
- Vehicle Trim, Features and Accessories: The Toyota 86's horsepower ranges from 205 to 228, depending on the trim level. Higher performance capabilities increase insurance premiums since greater power translates to higher risk for insurers.
- Driver Profile:Â Most Toyota 86 drivers have a median age of around 30 to 40 years, but younger ages pay higher rates. The vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Toyota 86s for young drivers.
Toyota 86 Costs by Model Year and Driver Age by Insurance Company
A 2017 Toyota 86 costs $204 monthly to insure for drivers aged 35 to 55, while a 2020 model jumps to $217 per month for full coverage. Newer car models consistently cost more than older ones due to higher repair and replacement values. Young drivers in their teens and early twenties face much steeper rates across all Toyota 86 model years.
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
Insurance costs for your Toyota 86 vary by trim, ranging from $97 monthly for minimum coverage on basic 860 Special Edition Coupe 2d models to $214 for full coverage on high-performance Gt Black Coupe 2d variants. Performance features, rarity, and market value determine where each trim falls in this range.
| 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
Toyota 86 minimum coverage costs just $37 monthly in Wyoming but jumps to $204 in Louisiana, showing how location affects your rates. These differences reflect your state's risk factors and insurance regulations, not anything about the Toyota 86 itself.
| 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
You'll need to decide how much coverage to buy for your Toyota 86 based on your ownership situation. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for sports cars like your Toyota 86. This benchmark assists with finding the affordable insurers offering competitive rates. Understanding typical costs for performance vehicles helps you identify genuinely good deals versus overpriced policies when comparing quotes from different insurers.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might offer limited coverage options or slower customer service when you need to file a claim.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your Toyota 86 situation. Sports car owners qualify for good driver discounts, safety features discounts for advanced braking systems, anti-theft discounts for factory security systems and bundling discounts when combining auto and home policies. These savings can reduce your premium costs.
- 5Consider alternative car insurance types
Toyota 86 owners might benefit from usage-based insurance programs that track driving habits. Options like Progressive Snapshot or Allstate Drivewise monitor safe driving behaviors and low mileage to deliver premium reductions. These telematics programs work well for responsible drivers who don't rack up high annual mileage on their sports cars.
- 6Check rates every year
Request car insurance quotes from at least three companies annually. Your insurer won't tell you when competitors drop their prices, so regular comparisons save up to 24% on your Toyota 86 insurance.
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.