Key Takeaways
Toyota 86 is a sporty car offering high performance. Hence, the cost of car insurance is also high. All the same, there are certain factors that influence the insurance cost. Let's see how to manage the factors and get the Toyota 86 car insurance cheaper.
The Toyota 86 - also called the GR86 - is a fastback coupe sports car designed for high performance. Sports cars don't come cheap - they can cost quite a lot to buy as well as to insure! Signing on for the wrong auto insurance policy can cause you to bleed money quite fast.
On average, Toyota 86 insurance will cost $1,674 per year. The rates also vary based on the state you live in, your age, the city you live in, and many other factors.
Wondering how to find a good Toyota 86 insurance policy in such a complicated situation? Get personalized quotes instantly for your Toyota from multiple carriers in just a few minutes and compare the best offers using the Way app.
| Model | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Mini Cooper | $1,173 | $98 |
| Honda Civic | $1,351 | $113 |
| Volkswagen GTI | $1,351 | $113 |
| Chevrolet Camaro | $1,436 | $120 |
| Hyundai Veloster | $1,548 | $129 |
| Subaru BRZ | $1,560 | $130 |
| Toyota 86 | $1,674 | $140 |
| Mazda MX-5 | $1,838 | $153 |
| Ford Mustang | $1,884 | $157 |
Toyota insurance can vary based on several factors. Here we discuss some of the most important factors that can influence the Toyota 86 car insurance costs.
The driver's age: Teens and young adults have shorter driving records and are generally considered riskier applicants. If you're in the 18-25 age range, you may have to shell out almost double the regular insurance premium. A Toyota 86 owner in his 20s may be charged as much as $3,624/year compared to a 60-year-old who'll have a premium of $1610/year.
| Driver's Age | Minimum Coverage Rate | Full Coverage Rate |
|---|---|---|
| 20 | $1,326 | $3,624 |
| 30 | $660 | $1,857 |
| 40 | $636 | $1,754 |
| 60 | $596 | $1,610 |
The driver's gender: Like the age, gender is also an influential factor for Toyota 86 car insurance rates. Insurers find female drivers safer, compared to males. Therefore, the insurance rate for a female driver will be lower than that of a male of the same age.
The city you are in: Your location and ZIP code are important in deciding the car insurance rates. If your car's registered location has a history of frequent natural disasters or high theft risk, it will raise the insurance rates. Hence, it is best to start comparing plans for your ZIP code.
The age of the car: The Car model year is an integral part that influences the Toyota 86 car insurance costs. As the latest models of cars come with newer parts and tech, the insurance rates are usually higher. At the same time, the older models have lower insurance rates due to market value depreciation.
Trim level of the car: The Toyota 86 has four standard trim levels - the Coupe, the GT Coupe, the GT TRD Handling Coupe, and the TRD Handling Coupe. The Toyota 86 Coupe trim level is comparatively cheaper to insure. The TRD Handling Coupe is the costliest to insure.
If your Toyota 86 model is a 2018 model or older, it could cost less to insure, because newer features might've been introduced in recent models. Newer models have more value on the market and cost more to repair, so they will be costlier to insure. The average auto insurance premium for a 2020 Toyota 86 is $ 1,732/year compared to $1,638/year for a 2017 model.
| Model Year | Minimum Coverage Rate | Full Coverage Rate |
|---|---|---|
| 2020 Toyota 86 | $556 | $1,732 |
| 2019 Toyota 86 | $565 | $1,702 |
| 2018 Toyota 86 | $566 | $1,656 |
| 2017 Toyota 86 | $569 | $1,638 |
Based on the research done by the Way.com team, USAA offers the cheapest Toyota 86 insurance deals, averaged across all states, with an average premium of $1,103 per year.
| Company | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| USAA | $1,103 | $92 |
| Auto-Owners | $1,352 | $113 |
| State Farm | $1,390 | $116 |
| Progressive | $1,778 | $148 |
| Nationwide | $1,794 | $150 |
| Travelers | $1,876 | $156 |
| Allstate | $1,894 | $158 |
| Kemper | $2,321 | $193 |
| Farmers | $2,457 | $205 |
The Toyota 86 insurance rate for the 2020 model year, on average, is $1,732 per year. USAA offers an annual average rate of $337 for minimum coverage, which is the lowest for the car model year. The table below shows the cheap insurance rate offered by carriers like USAA, State Farm, Travelers, etc.
| Company | Annual Minimum Coverage Rate | Monthly Minimum Coverage Rate |
|---|---|---|
| USAA | $337 | $28 |
| State Farm | $419 | $35 |
| Travelers | $574 | $48 |
| Progressive | $602 | $50 |
| Allstate | $613 | $51 |
| Nationwide | $662 | $55 |
| Farmers | $711 | $59 |
The 2019 Toyota 86 insurance rate will annually cost you $1,702, on average. USAA is the cheapest insurer for the car model year, offering an annual coverage cost of $348 for minimum coverage. Find more carriers with cheap rates for minimum coverage in the table below.
| Company | Annual Minimum Coverage Rate | Monthly Minimum Coverage Rate |
|---|---|---|
| USAA | $348 | $29 |
| State Farm | $457 | $38 |
| Travelers | $583 | $49 |
| Progressive | $606 | $51 |
| Allstate | $634 | $53 |
| Nationwide | $671 | $56 |
| Farmers | $706 | $59 |
USAA is the cheapest insurer offering $345 for a 2018 Toyota 86. The cheapest monthly rate for minimum coverage ranges between $29 and $59.
| Company | Annual Minimum Coverage Rate | Monthly Minimum Coverage Rate |
|---|---|---|
| USAA | $345 | $29 |
| State Farm | $426 | $36 |
| Travelers | $584 | $49 |
| Progressive | $612 | $51 |
| Allstate | $652 | $54 |
| Nationwide | $680 | $57 |
| Farmers | $709 | $59 |
Insurers like USAA, State Farm, and Travelers offer the cheapest minimum coverage for the 2017 model Toyota 86. The average annual full coverage for the model will cost you $1638. Go through more cheap minimum coverage rates in the table below.
| Company | Annual Minimum Coverage Rate | Monthly Minimum Coverage Rate |
|---|---|---|
| USAA | $337 | $28 |
| State Farm | $466 | $39 |
| Travelers | $585 | $49 |
| Progressive | $601 | $50 |
| Allstate | $658 | $55 |
| Nationwide | $689 | $57 |
| Farmers | $711 | $59 |
You can reduce your auto insurance by ensuring the vehicle is well-equipped with safety features. Some of the installed features on the Toyota 86 include:
Along with the safety features, the safety ratings also influence the Toyota 86 insurance rates. An overview of the outcomes of safety tests conducted by IIHS and the ratings awarded to the respective tests is in the table below.
| IIHS Safety Test Type | Safety Rating |
|---|---|
| Head restraints and seats | Good |
| Roof strength | Good |
| Side strength | Good |
| Moderate overlap front | Good |
| Small overlap front: driver-side | Acceptable |
| LATCH ease of use | Marginal |
Test ratings awarded by NHTSA are also considered by the carriers. Go through the general insights on the comprehensive safety tests by the Federal agency in the table below.
| NHTSA Safety Test Type | Safety Ratings |
|---|---|
| Frontal Crash Test | 4 Star |
| Rollover Resistance | 5 Star |
| Dynamic Tip Result | No Tip |
| Rollover Risk | 7.10% |
Be a safe driver: Rash driving, traffic violations, and accidents can often increase your insurance rates. They make it risky to insure you, which can result in sky-high premiums.
Improve your credit score before applying: Applicants with excellent credit scores can save quite a lot on insurance rates every year. Try to build a good credit score - ideally more than 700.
Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Toyota 86.
Ask for relevant discounts: Ask for loyalty discounts, bundling discounts, senior citizen discounts, military veteran discounts, and more to reduce your annual premiums as much as possible.
Before selecting an auto insurance policy, always try to get free quotes from several providers. After all, the more the merrier - explore plans that suit your driving habits and pick the best ones!
Your catchphrase should be "compare, compare, compare" when seeking the best auto insurance policy.
You can quickly find the lowest Toyota 86 insurance rates through a comparison platform like the Way app.
Simply download the Way app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your Toyota 86 - all in as little as 45 seconds!
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The average insurance rate for a Toyota 86 starts at $ 1,674 per year for the Coupe trim level. You may have to pay higher premiums if you're a young adult, or if you live in a city with a high number of vehicular accidents.
The Toyota GR 86 is one of the most expensive cars to insure in the small/compact car segment. Only the Toyota Mirai is more expensive than it in this segment.
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