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


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Updated: May 20, 2024

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The cost of car insurance varies significantly based on age. A 16-year-old buying insurance for a 2017 Toyota 86 will pay an average of $7,914 annually. A 40-year-old driver pays roughly $1,732 per year for the same policy.

To insure a 2020 Toyota 86, a 16-year-old driver will pay an average of $8,338 per year for a policy, while a 40-year-old driver pays around $1,827. MoneyGeek also found the best insurance providers that balance affordability with claims experience and service.

MoneyGeek Logo IconCar Insurance CostsToyota 86
2024

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Toyota 86.

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These rates were updated to reflect the average cost of car insurance for a Toyota 86 as of 2023.

10Companies Compared
 
11,952 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Toyota 86

Although the average insurance cost of a Toyota 86 is $1,853 per year, your rates may vary based on your chosen insurance company. GEICO provides the cheapest car insurance for this model, charging an average of $1,304 per year for full coverage. The most expensive insurer is Farmers, with an average annual cost of $2,376.

GEICO also provides the most affordable minimum coverage, with a policy costing an average of $470 annually. Farmers is the most expensive option for a minimum policy at around $818.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
GEICOAverage Annual Premium$1,304
State FarmAverage Annual Premium$1,417
NationwideAverage Annual Premium$1,744
ProgressiveAverage Annual Premium$1,825
AllstateAverage Annual Premium$1,872
TravelersAverage Annual Premium$1,911
FarmersAverage Annual Premium$2,376

Is a Toyota 86 Expensive to Insure?

Insurance providers analyze various factors to determine the cost of insuring a Toyota 86. This model is expensive to insure, even though it has low value and low horsepower. Certain models tend to be more expensive to insure due to their repair costs or theft rates.

Best Companies for Insuring a Toyota 86

The cost of car insurance shouldn’t be the only factor to consider when buying a policy for your car, as the best Toyota 86 car insurance will offer good service and claims experience.

These companies provide the best car insurance for a Toyota 86, based on our analysis:

  • GEICO: MoneyGeek score of 90 out of 100 ($1,304 per year)
  • State Farm: MoneyGeek score of 89 out of 100 ($1,417 per year)

GEICO ranked first for affordability and third for customer satisfaction. These attributes helped it lock down the top spot in our analysis.

MoneyGeek Top Pick: GEICO

GEICO

pros

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Ranks #1 for affordability out of seven insurers

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Ranks #3 for customer satisfaction

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Offers mechanical breakdown insurance and accident forgiveness

cons

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Mediocre ranking for claims management

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Doesn’t offer deductible modification, gap insurance or new car replacement coverage

COMPANY HIGHLIGHTS

MoneyGeek picked GEICO as the best car insurance company to insure a Toyota 86 because it offers the most affordable policies and ranks well for customer satisfaction.

Its unique coverages include mechanical breakdown insurance, which protects you against repair costs in case of a mechanical problem in your vehicle. It costs less than a typical dealer's extended warranty and covers all systems and parts of the car. But you can only get it if you have a new or leased car less than 15 months old with less than 15,000 miles.

Your insurance rates generally increase after an at-fault accident, but that won't happen if you add GEICO's accident forgiveness coverage to your policy. However, this coverage is not available in some states.

Read MoneyGeek's GEICO Auto Insurance Review

MoneyGeek Runner-Up: State Farm

State Farm

pros

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Ranks #2 for affordability

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Ranks #2 for customer satisfaction

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Offers rental car reimbursement and roadside assistance

cons

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Scored poorly for claims management

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Lacks many common coverages

COMPANY HIGHLIGHTS

Drivers looking to insure a Toyota 86 can also opt for State Farm, as the company has affordable policies and ranks well for customer satisfaction. But it might not suit you if you’re looking for many coverage options, as it only offers a couple of common coverages.

State Farm’s rental car reimbursement coverage helps you cover the cost of a rental car if your own vehicle is damaged in an at-fault accident. It pays for transportation expenses, meals, lodging and deductible repayment up to specific limits.

Its roadside assistance coverage helps when your car breaks down on the road and covers related costs. Unfortunately, State Farm doesn’t offer any other relevant coverage options.

Read MoneyGeek's State Farm Auto Insurance Review

Cost of Insuring a Toyota 86 by Model Year

The average cost of car insurance for a 2017 Toyota 86 is $1,732 per year. But you will have to pay an average of $1,827 per year to insure a 2020 Toyota 86 because insurers typically charge more to insure newer models due to depreciation.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
2020Average Annual Premium$1,827
2019Average Annual Premium$1,791
2018Average Annual Premium$1,745
2017Average Annual Premium$1,732

The amount you pay for a policy will change based on your chosen company and the car’s model year. GEICO provides the cheapest rates for a 2017 Toyota 86, with a policy costing an average of $1,263 annually. It’s also the most affordable insurer for a 2020 Toyota 86, charging an average of $1,343 per year.

Data filtered by:Results filtered by:
Model Year:
Model Year:2020
Age:
Age:40
Coverage:
Coverage:Full Coverage
GEICOAverage Annual Premium$1,343
State FarmAverage Annual Premium$1,441
NationwideAverage Annual Premium$1,741
ProgressiveAverage Annual Premium$1,888
AllstateAverage Annual Premium$1,962
TravelersAverage Annual Premium$1,972
FarmersAverage Annual Premium$2,480

Cost of Insuring a Toyota 86 for 16- to 25-Year-Olds

Car insurance policies generally cost more for teens and drivers in their 20s than for adult drivers aged 30 and older. Insurance companies charge an average of $8,096 annually to offer teen car insurance to a 16-year-old driver with a Toyota 86. A 40-year-old driver will pay only around $1,774 per year for a policy for the same car. But this difference decreases as teen drivers age, with rates becoming steady in their 20s.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16Average Annual Premium$8,096
17Average Annual Premium$6,585
18Average Annual Premium$5,830
19Average Annual Premium$4,055
20Average Annual Premium$3,685
21Average Annual Premium$2,845
22Average Annual Premium$2,637
23Average Annual Premium$2,459
24Average Annual Premium$2,339
25Average Annual Premium$2,100

The ideal way to get affordable car insurance as a teen driver is by adding them to a family plan, which generally costs less than individual plans. State Farm charges the most affordable rates for a 2020 Toyota 86, offering a policy at an average cost of $4,697 annually. Farmers provides the most expensive policy for the same model, costing an average of $12,202 per year. You can get affordable teen car insurance by comparing rates and shopping around.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2020
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$4,697
GEICOAverage Annual Premium$6,168
NationwideAverage Annual Premium$7,310
TravelersAverage Annual Premium$8,304
AllstateAverage Annual Premium$8,552
ProgressiveAverage Annual Premium$10,901
FarmersAverage Annual Premium$12,202

How Does Location Affect the Cost of Toyota 86 Insurance?

Although the model type, year and driver’s age matter in the cost of car insurance, your location is essential. The cheapest company for you may vary based on what state you’re in.

MoneyGeek found that Idaho has the cheapest rates for car insurance, while Florida has the highest. When purchasing a policy for a Toyota 86, it’s best to get several quotes from the most affordable insurers in your state.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73
District of ColumbiaCheapest CompanyGEICOAnnual Premium$662Monthly Premium$55
FloridaCheapest CompanyState FarmAnnual Premium$1,058Monthly Premium$88
GeorgiaCheapest CompanyCountry FinancialAnnual Premium$665Monthly Premium$55
HawaiiCheapest CompanyGEICOAnnual Premium$565Monthly Premium$47
IdahoCheapest CompanyAmerican National P&CAnnual Premium$299Monthly Premium$25
IllinoisCheapest CompanyCountry FinancialAnnual Premium$663Monthly Premium$55
IndianaCheapest CompanyAmerican FamilyAnnual Premium$555Monthly Premium$46
IowaCheapest CompanyState FarmAnnual Premium$509Monthly Premium$42
KansasCheapest CompanyNationwideAnnual Premium$670Monthly Premium$56
KentuckyCheapest CompanyNationwideAnnual Premium$790Monthly Premium$66
LouisianaCheapest CompanyLouisiana Farm BureauAnnual Premium$1,048Monthly Premium$87
MaineCheapest CompanyConcord GroupAnnual Premium$521Monthly Premium$43
MarylandCheapest CompanyProgressiveAnnual Premium$938Monthly Premium$78
MassachusettsCheapest CompanyState FarmAnnual Premium$483Monthly Premium$40
MichiganCheapest CompanyGEICOAnnual Premium$898Monthly Premium$75
MinnesotaCheapest CompanyState FarmAnnual Premium$797Monthly Premium$66
MississippiCheapest CompanyDirect General InsuranceAnnual Premium$723Monthly Premium$60
MissouriCheapest CompanyNationwideAnnual Premium$909Monthly Premium$76
MontanaCheapest CompanyProgressiveAnnual Premium$437Monthly Premium$36
NebraskaCheapest CompanyAmerican National P&CAnnual Premium$405Monthly Premium$34
NevadaCheapest CompanyCSAAAnnual Premium$940Monthly Premium$78
New HampshireCheapest CompanyState FarmAnnual Premium$540Monthly Premium$45
New JerseyCheapest CompanyPlymouth Rock AssuranceAnnual Premium$895Monthly Premium$75
New MexicoCheapest CompanyState FarmAnnual Premium$644Monthly Premium$54
New YorkCheapest CompanyKemperAnnual Premium$781Monthly Premium$65
North CarolinaCheapest CompanyErieAnnual Premium$630Monthly Premium$52
North DakotaCheapest CompanyAmerican FamilyAnnual Premium$616Monthly Premium$51
OhioCheapest CompanyNationwideAnnual Premium$485Monthly Premium$40
OklahomaCheapest CompanyState FarmAnnual Premium$662Monthly Premium$55
OregonCheapest CompanyState FarmAnnual Premium$706Monthly Premium$59
PennsylvaniaCheapest CompanyNationwideAnnual Premium$580Monthly Premium$48
Rhode IslandCheapest CompanyState FarmAnnual Premium$700Monthly Premium$58
South CarolinaCheapest CompanyAmerican National P&CAnnual Premium$463Monthly Premium$39
South DakotaCheapest CompanyAllstateAnnual Premium$746Monthly Premium$62
TennesseeCheapest CompanyState FarmAnnual Premium$579Monthly Premium$48
TexasCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
UtahCheapest CompanyNationwideAnnual Premium$725Monthly Premium$60
VermontCheapest CompanyState FarmAnnual Premium$493Monthly Premium$41
VirginiaCheapest CompanyAmerican FamilyAnnual Premium$601Monthly Premium$50
WashingtonCheapest CompanyPEMCOAnnual Premium$534Monthly Premium$44
West VirginiaCheapest CompanyErieAnnual Premium$784Monthly Premium$65
WisconsinCheapest CompanyGEICOAnnual Premium$556Monthly Premium$46
WyomingCheapest CompanyState FarmAnnual Premium$745Monthly Premium$62

Frequently Asked Questions About Toyota 86 Insurance

MoneyGeek gathered the answers to some frequently asked questions about the cost and quality of car insurance for a Toyota 86.

What company has the cheapest car insurance for a Toyota 86?
What company offers the best car insurance for a Toyota 86?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.