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