Toyota 86 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure a Toyota 86 than the average car.

• Liability only insurance rates for a 86 average around $99 per month, while full coverage normally comes in at about $229.

• FirstChicago is the most affordable auto insurance carrier for a 86.

86 Overview

The Toyota 86 is a great car for drivers on a budget, with a base price of just $27,060 for 2020 models. With two different trim levels currently offered, there's a style for every driver.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Toyota 86 auto insurance prices run around $206 monthly, on average. Compared to other vehicles in the market, how do 86 insurance premiums stack up?

How Much is Car Insurance for a Toyota 86?

If you look at the table above, you'll find that car insurance rates for a Toyota 86 are above average. 86 drivers typically pay about $229 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $99 monthly for liability only insurance (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Compared to other models, the 86 is more expensive, with premiums around 41% higher than the other vehicle types offered by Toyota. Likewise, 86 coverage is higher than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive prices than other cars.

They're also on the more expensive end to insure than the average vehicle, no matter which body style, make, or model you compare it to.

Who has the Cheapest Car Insurance for a Toyota 86?

In the market for a car insurance policy for your Toyota 86? You might be most interested in which company offers the cheapest rates. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $39 per month from AnswerFinancial. With car insurance as cheap as just $40 a month, Mapfre is the next lowest auto insurance carrier.

Finishing off the rest of the top 5 are NationalGeneral, Hugo, and Commonwealth Casualty. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since car insurance carriers look at a bunch of different things when calculating rates. By getting quotes from a wide array of insurance companies at once, you can be confident you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Toyota 86?

There are an array of factors that auto insurance carriers consider to determine how much they charge for car insurance -- and every company uses a different algorithm, so there's not one single carrier that's the most affordable for each driver.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Toyota has been making the 86 for quite some time -- and that means the car's age may play a role in how much you'll pay for insurance. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and 86s begin to depreciate, insurance costs will gradually go lower.

As you can see in the table above, the Toyota 86 does not follow this trend, as the cheapest models to insure are those that are 2 to 3 years old, while the most expensive models are 8 to 10 years old, on average.

Your Age

Age makes a significant difference in how much you pay for car insurance. Based on the information in the table above, those with more experience pay less compared to young drivers. Toyota 86 drivers under 18 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group for 86 drivers being 55-64.

Your Gender

Because women are less likely to get tickets and get into collisions, they are less likely to file a claim with insurance. So, women tend to pay less for insurance than men. When it comes to 86 drivers specifically, women pay about 13% less than men monthly for auto insurance.

Where You Live

You might think it's common sense that variables like how old you are and what vehicle you drive play a role in your insurance rates, but did you know that where you live has just as much of an impact? Because auto insurance is regulated on a state-by-state basis, premiums can vary quite a bit from state to state.

For example, the average Toyota 86 owner from New York pays around $288 a month for liability coverage. Meanwhile, the same driver from California will pay only 25% of that price, on average. The chart shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.

Toyota 86 Car Insurance Discounts

Regardless of which vehicle you drive, how old you are, or where you live, it's always the smart move to take advantage of as many car insurance discounts as possible.

Even though all insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than in monthly installments
• Multi-vehicle discounts for adding more than one car to your auto policy

These are just a few of the discounts car insurance companies offer, and sometimes the best way to save is just by having a profile that looks good to auto insurance carriers.

While you can't control every single aspect of your car insurance profile (like some of the variables we mentioned above), you do have a say over some of it. Below are just a few of the ones you can use to your advantage in order to save on insurance:

Your Driving Record

You've probably noticed ads from auto insurance companies offering large discounts for responsible drivers. And you're probably not surprised to hear that your car insurance prices will increase if you get cited for speeding or get into an accident. But exactly how much can these infractions cost you?

According to the table above, accidents will usually cost 86 drivers more than tickets, but both will result in above average rates. Toyota 86 drivers with one accident on their record pay an average of $127 per month (up $28 from the $99/mo. overall average), while drivers with a single ticket will pay about $106 per month. The rates only go up the more accidents you have or tickets you get.

How Much You Drive

The amount of miles you drive annually plays a big role when it comes to your auto insurance rates. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll generally end up paying less for insurance. In the table above, you can see that Toyota 86 owners who drive between 5,000 and 7,500 miles each year pay an average of $86 monthly for car insurance, while those who put less than 2,500 miles on their cars pay $146.

If you don't use your Toyota 86 to travel or commute regularly, you might consider a usage-based or pay-per-mile insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Toyota 86s Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Toyota 86 is on your shortlist, you might want to know how it compares to other vehicles. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth taking into consideration.

Take a look at the table below to see how the Toyota 86 stacks up:

As you can see, a Toyota 86 is a great value when it comes to overall price tag. The 86 has a base price of $27,060, which is quite a bit lower than the national average vehicle price of $46,538.

But while the purchase price is on the lower end of the spectrum, auto insurance prices are higher when compared to other vehicles on the market. Full coverage insurance for a Toyota 86 is about $92 per month more than average, while liability only coverage is $8 higher per month.

When it comes to usage, Toyota 86 drivers are far from the national average in annual miles driven, with 11,660 miles a year for all vehicles compared to the 86's 12,703 every year.

Toyota 86 Car Insurance Costs by Model Year

So far, you've seen how different things affect how much you might pay for insurance. But if you're in thinking about buying a new car, truck, or SUV and the 86 is on your wishlist, knowing what you'll likely pay is extremely valuable as you weigh your options.

That's why we've decided to break down Toyota 86 auto insurance rates by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've also included some other helpful info that might help you make a decision, like which trim levels are offered, the base MSRP, and who offers the cheapest policies for each 86 model year.

2020 Toyota 86 Car Insurance

On average, drivers who own a 2020 86 can expect to pay $89 to $261 a month for liability only and full coverage car insurance, respectively.

Kemper offered the lowest policy we found, with rates as little as just $59 per month.

Interested in just how much you'll pay? Enter your ZIP code below to get several free customized quotes.

2019 Toyota 86 Car Insurance

You can expect full coverage for a 2019 Toyota 86 to run around $253 monthly, while liability only coverage will average about $89 a month.

With premiums as cheap as $22 per month, Commonwealth Casualty offered the cheapest policy we found for the 2019 Toyota 86.

If you want to find the best prices for auto insurance for a 2019 Toyota 86, enter your ZIP code below and compare a multitude of personalized quotes in just a few minutes.

2018 Toyota 86 Car Insurance

The average cost to insure a 2018 86 with liability only coverage is $61 a month, while full coverage runs around $217 monthly.

SafeAuto has premiums as low as $40 per month for the 2018 Toyota 86.

While these are good estimates of what the average driver might pay to insure a 2018 Toyota 86, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2017 Toyota 86 Car Insurance

2017 Toyota 86 drivers can expect to pay an average of $100 monthly for liability or $227 for full coverage.

We found Elephant offered the most affordable policy, with rates sometimes as low as $32 a month.

What will your insurance premium be? Just enter your ZIP code below to get multiple free personalized quotes.

2016 Toyota 86 Car Insurance

It costs about $91 monthly for liability or $221 for a full coverage policy for the 2016 86.

With premiums sometimes as cheap as $18 a month, Hugo offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your 86, get free quotes in minutes by just entering your ZIP code below.

2015 Toyota 86 Car Insurance

You can expect full coverage for a 2015 Toyota 86 to run around $227 per month, while liability only coverage will average about $102 a month.

Looking for the cheapest policy? Infinity offered liability only coverage for as little as $24 monthly.

These average prices are a great starting point if you're in the market for a 2015 Toyota 86, but there are lots of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2014 Toyota 86 Car Insurance

On average, drivers who own a 2014 86 can expect to pay $93 to $211 per month for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2014 Toyota 86 insurance policy, Hugo offered the lowest policy we found, with rates sometimes as little as $25 a month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2014 Toyota 86, you can get free quotes in minutes by just entering your ZIP code below.

2013 Toyota 86 Car Insurance

It costs around $106 per month for liability or $235 for a full coverage policy for the 2013 Toyota 86.

With rates as low as just $21 monthly, MetLife offered the most affordable policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

Toyota 86 Insurance FAQs

Is a Toyota 86 expensive to insure?

Liability insurance runs an average of $99 a month, while full coverage will cost you around $229. It costs more to insure a Toyota 86 when compared to the average car.

How can I get the best price on car insurance for my Toyota 86?

The only way to make sure you're getting the cheapest price on car insurance is to regularly shop around and compare quotes from multiple carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a variety of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota 86 affect my insurance rates?

You might have heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not the case. There are many variables insurance carriers consider when they offer you a premium, but your 86's color is not on that list.

Do I need to have insurance before I buy a Toyota 86?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) Toyota 86 off the dealership lot. Some dealerships may offer you an insurance policy as part of the car-buying process, but it's best to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Toyota 86?

You will find a variety of different discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your 86 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance company and ask about their discounts.