2020 Toyota 86 Car Insurance Calculator

Gain insights into how changes to risk factors and vehicle options impact the insurance cost for a 2020 Toyota 86. Modify choices like homeowner status, credit history, policy coverages, and liability limits. Find out instantly if rates increase or decrease and why.

The average estimated car insurance premium for a 2020 Toyota 86 is $2,406 per year, or about $201 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,406

Cost Per Month

$201

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Toyota 86 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2020 Toyota 86.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,406
Average Rate
Your Rate
$2,406

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2020 Toyota 86 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 Toyota 86 is $2,406.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 Toyota 86 vs. the Small Car Segment

The table below compares insurance rates for the 2020 Toyota 86 against all other models in the small car segment. The Toyota 86 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Toyota 86, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota 86.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 Toyota 86 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,586-$820
2Honda Fit$1,648-$758
3Fiat 500L$1,666-$740
4Toyota Corolla$1,690-$716
5Volkswagen Golf$1,732-$674
6Toyota Yaris$1,752-$654
7Subaru Impreza$1,778-$628
8Fiat 124 Spider$1,806-$600
9Nissan Sentra$1,820-$586
10Mazda 3$1,834-$572
11Honda Civic$1,874-$532
12Kia Rio$1,880-$526
13Hyundai Accent$1,898-$508
14Kia Forte$1,916-$490
2020 Small Car Average$1,973-$433
15Toyota Prius$2,024-$382
16Hyundai Veloster$2,080-$326
17Volkswagen GTI$2,088-$318
18Volkswagen Jetta$2,100-$306
19Nissan Versa$2,110-$296
20Nissan Leaf$2,128-$278
21Mitsubishi Mirage G4$2,130-$276
22Chevrolet Sonic$2,168-$238
23Honda Clarity$2,206-$200
24Hyundai Elantra$2,230-$176
25Hyundai Ioniq$2,274-$132
26Toyota 86$2,406--
27Toyota Mirai$2,460$54

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 86 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Toyota 86.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 Toyota 86 Insurance Rates by Trim Level
2020 Toyota 86 Trim Level Annual Premium Cost Per Month
Coupe$2,352$196
GT Coupe$2,376$198
GT TRD Handling Coupe$2,438$203
TRD Handling Coupe$2,458$205

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 Toyota 86 for different driver ages.

2020 Toyota 86 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,711$726
17$8,411$701
18$7,486$624
19$6,828$569
20$5,211$434
21$4,971$414
22$4,439$370
23$3,659$305
24$3,448$287
25$2,794$233
30$2,564$214
35$2,474$206
40$2,406$201
45$2,254$188
50$2,136$178
55$1,996$166
60$2,000$167
65$2,132$178
70$2,320$193
75$2,746$229
80$3,394$283

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Toyota 86 trim levels.