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Cheapest Toyota 86 Car Insurance (Nov 2024)
Cheapest Toyota 86 Car Insurance (Nov 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Toyota 86
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
How much does Toyota 86 car insurance cost?
However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Toyota 86 insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes
Compare the cheapest Toyota 86 car insurance quotes
This may feel complicated, but it doesn’t have to be.
Jerry
is a car insurance price comparison
tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Toyota 86 drivers save an average of $1,334 per year on their car insurance. Check out the table below to see real, free quotes that real people have gotten from Jerry.
| Date | Car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
November 20, 2024 | Toyota 86 | Plymouth Rock | $401 | Micheal, 36 Lackawaxen, PA | • 50,000/100,000 Liability • Comp / Collision |
November 15, 2024 | Toyota 86 | Bristol West | $354 | Joshua, 55 | • 100,000/300,000 Liability • Comp / Collision |
November 9, 2024 | Toyota 86 | National General | $107 | Esther, 35 | • State Minimum Liability |
November 8, 2024 | Toyota 86 | Safeco | $95 | Ethel, 43 | • State Minimum Liability |
November 1, 2024 | Toyota 86 GT | Infinity | $111 | Mabelle, 32 Hayward, CA | • State Minimum Liability |
Last Updated Nov 20, 2024However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Toyota 86, you’ll need to
get car insurance quotes
from at least three insurance companies. The best car insurance companies for Toyota 86 owners
There’s no single best insurance company for all Toyota 86 owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to
calculate your premiums
. But that doesn’t mean we can’t find the best insurance company for you.
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How much car insurance do you need for a Toyota 86?
The average cost of Toyota 86 insurance is $231 per month for full coverage and $110 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.
| Car | Average Full Coverage Insurance Cost | Average State Minimum Insurance Cost |
|---|---|---|
Toyota 86 | $231 | $110 |
- Minimum coverage insuranceis the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.
- Full coverage insuranceprovides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.
While knowing auto insurance averages can be useful, getting personalized quotes is
the best way to shop for insurance
. Jerry makes quote shopping easy, finding you the best coverage at the best rate. Learn more about car insurance for other models
Why are some trims more expensive to insure than others?
Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.
Toyota 86 has been in production in Japan since 2013—but this four-seat coupe has only been in North America since 2017. Since 2021, it’s been known as the GR86.
To understand the trim levels on the Toyota 86, you need to know that each year comes with various trim levels and transmission options. Furthermore, trim names change depending on the country.
For instance, let’s consider the 2020 model, which had three trim levels.
The base trim on the 2020 Toyota 86 is available with manual and automatic transmissions. Further up the ladder are the manual Hakone Edition trim (only available this model year) and the GT trim (automatic or manual). The Hakone comes with special green paint and bronze wheels (and higher-than-average insurance costs). Among the 2020 trims, the 86 GT enjoys the best fuel economy and the biggest wheels (18”), but the lowest horsepower. Otherwise, tech and safety features don’t vary much between trims in 2020.
On the 2017 Toyota 86, there were only two trim levels: the base coupe and a nifty 860 Special Edition with unique exterior paint options. Expect this top trim to come with higher insurance costs, too.
Fast forward to 2023, and the 86 is now known as the GR86. It has three trim levels: base, Premium, and a 10th Anniversary Special Edition.
Ultimately, here’s what you need to know: The more unique a trim level is, the more difficult (and costly) it may be to repair and replace parts. Most base 86 models share similar insurance costs, but unique trims may come with extra high costs.
Check out the table below to see the average cost of auto insurance for some popular Toyota 86 trims.
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
86 Toyota | $138 | $199 |
86 Toyota GT | $56 | $308 |
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Sean S.
Toyota 86 insurance cost by model year
The more recently your Toyota 86 was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Toyota 86s provided by Jerry to better understand how your driver profile might affect your cost.
2020 Toyota 86 car insurance quotes
The 2020 86 had three trim levels, including a special edition with green body paint. Toyota vehicles have a well-earned reputation for safety and reliability, and the ‘20 86 lives up to this reputation with zero safety recalls from the NHTSA.
This model also earned good ratings for crashworthiness
from the IIHS
, with only slightly reduced marks in a small overlap crash.Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
$270 | Lelia, 25 Shelton, NE | • 100,000/300,000 Liability • Comp / Collision | ||
$209 | Abbie, 22 | • 50,000/100,000 Liability • Comp / Collision | ||
Clearcover | $278 | Harriet, 44 | • 50,000/100,000 Liability • Comp / Collision | |
Gainsco | $378 | Hannah, 28 Mccoy, TX | • State Minimum Liability • Comp / Collision | |
$202 | Randy, 24 | • State Minimum Liability |
2019 Toyota 86 car insurance quotes
One recall
—a flaw in the fuel pump—continued to plague the 2019 Toyota 86. Furthermore, the 2019 86 earned 56 complaints ranging from Bluetooth connectivity issues to steering problems.Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
$196 | Donald, 31 | • 50,000/100,000 Liability • Comp / Collision | ||
$268 | Leona, 31 | • State Minimum Liability • Comp / Collision | ||
$326 | Jeanette, 54 | • 50,000/100,000 Liability • Comp / Collision | ||
$111 | Ricardo, 31 | • State Minimum Liability | ||
Clearcover | $128 | Hester, 34 | • State Minimum Liability • Comp / Collision |
2018 Toyota 86 car insurance quotes
A faulty fuel pump in the 2018 Toyota 86 led to
a safety recall from the NHTSA
. However, annual maintenance costs are relatively low for this car and its engine has a long life expectancy.Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
$110 | Thomas, 29 | • State Minimum Liability | ||
$573 | Clarence, 20 | • 50,000/100,000 Liability • Comp / Collision | ||
Clearcover | $158 | Rosa, 33 | • State Minimum Liability • Comp / Collision | |
$216 | Etta, 29 | • State Minimum Liability • Comp / Collision |
2017 Toyota 86 car insurance quotes
Two recalls were issued
for the 2017 model: one for the spare tire (not inflated to the proper pressure) and one for the automatic transmission power train. However, it’s an affordable model with strong customer satisfaction ratings (4.7/5 on Edmunds
).Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2017 Toyota 86 | $201 | Theresa, 30 | • 50,000/100,000 Liability • Comp / Collision | |
2017 Toyota 86 | Clearcover | $113 | Jerry, 43 | • State Minimum Liability • Comp / Collision |
2017 Toyota 86 | $206 | Minerva, 30 | • State Minimum Liability • Comp / Collision | |
2017 Toyota 86 | $348 | Genevieve, 24 | • 15,000/30,000 Liability • Comp / Collision | |
2017 Toyota 86 | Electric | $438 | Inez, 25 | • 100,000/300,000 Liability • Comp / Collision |
Are Toyota 86s expensive to insure?
The average Toyota 86 insurance rate is $110 per month. Compared to the national average for other models from a similar price range, it is 6% less expensive to insure a Toyota 86 .
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
Toyota 86 | $110 | $231 |
Mini Cooper | $90 | $166 |
Jeep Renegade | $99 | $167 |
Buick Enclave | $85 | $172 |
Ford Taurus | $93 | $178 |
Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.
Toyota 86 safety features
The safety features of a model will also impact your insurance costs.
A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features.
The Toyota 86 has a variety of safety features. Learn more about them below.
| Safety feature | Description |
|---|---|
Front-impact airbags | Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash. |
Anti-lock brakes | ABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking. |
Security system | The vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used. |
Side impact airbags | Side impact airbags for the front seats have been designed to protect the torso during a side impact collision. |
Stability control | Stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle. |
Overhead airbags | Overhead airbags are used to protect the occupant's heads in the event of a side collision or rollover. |
Pretensioners | Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision. |
What other factors affect Toyota 86 insurance rates?
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
- Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.
Toyota 86 insurance cost for young drivers
Teen drivers
between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents. 
Viola (21 years old)
$584
per month
Toyota 86 insurance cost for senior drivers
As you enter your mid-70s, car insurance costs begin to climb again.
Car insurance rates for seniors
tend to be higher for several reasons. Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.
Christina (73 years old)
$60
per month
Mamie (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$48
per month
Toyota 86 insurance cost for drivers with driving violations
Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for Toyota 86 drivers with speeding ticket
There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.
Jerry is proud to help Toyota 86 drivers with varying speeding tickets save on car insurance.
| Speeding Type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
Speeding Violation-Minor | Toyota 86 | AAA | $344 | Lulu, 26 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 21+ | Toyota 86 | Progressive | $133 | Bill, 25 | • State Minimum Liability |
Last Updated Nov 15, 2024Cheapest car insurance for Toyota 86 drivers with a DUI record
If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.
You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Toyota 86 drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance for Toyota 86 drivers after an accident
One of the most important factors affecting car insurance rates is your car accident or claim history.
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Toyota 86 drivers save on car insurance after car accidents.
| Accident type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
Not At Fault | Toyota 86 | Progressive | $165 | Christian, 44 | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Toyota 86 | Progressive | $144 | Carolyn, 40 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Toyota 86 | AAA | $344 | Walter, 26 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With Injury | Toyota 86 | Allstate | $268 | Kevin, 32 | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Toyota 86 | Bristol West | $79 | Katie, 24 | • No Coverage Liability |
Last Updated Nov 20, 2024Cheapest car insurance for Toyota 86 drivers with other driving violations on their record
Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.
We’ve compiled a list of various other driving violations and how we helped Toyota 86 drivers with these violations save on their car insurance.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Failure to Stop | Toyota 86 | Progressive | $195 | Charles, 30 Lancaster, PA | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Toyota 86 | Safeco | $100 | Lester, 31 Lancaster, PA | • 25,000/50,000 Liability • Comp / Collision |
Improper Passing | Toyota 86 | Progressive | $270 | Carrie, 25 Shelton, NE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Compare insurance costs for other cars
How can I lower the cost of insurance for my car?
There are a variety of ways to lower insurance costs for your vehicle.
- Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
- Raise your deductible: Yourcar insurance deductibleis the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
- Reduce your coverage: If you have any older cars, you canreduce coverageon them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
- Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
- Bundle your insurance policies:Bundling your homeowners and auto insurancewith the same company can amount to a lower overall bill.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.