2021 Toyota 86 Car Insurance Calculator

Understand how different driver, vehicle, and coverage options influence insurance rates for a 2021 Toyota 86. Update factors like driver's age, policy discounts, and trim level and watch how each affects your rate. Know immediately if the choice you made raises or lower rates and why.

The average estimated car insurance premium for a 2021 Toyota 86 is $2,478 per year, or about $207 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

$2,478

Cost Per Month

$207

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 2021 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.

$2,478
Average Rate
Your Rate
$2,478

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 2021 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 2021 Toyota 86 is $2,478.

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.

2021 Toyota 86 vs. the Small Car Segment

The table below compares insurance rates for the 2021 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.

2021 Toyota 86 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,630-$848
2Kia Rio5$1,722-$756
3Toyota Corolla$1,736-$742
4Volkswagen Golf$1,788-$690
5Subaru Impreza$1,830-$648
6Nissan Sentra$1,872-$606
7Mazda 3$1,884-$594
8Honda Civic$1,918-$560
9Kia Rio$1,928-$550
10Hyundai Accent$1,944-$534
11Kia Forte$1,974-$504
2021 Small Car Average$2,056-$422
12Toyota Prius$2,086-$392
13Hyundai Veloster$2,152-$326
14Volkswagen Jetta$2,156-$322
15Nissan Versa$2,164-$314
16Volkswagen GTI$2,168-$310
17Nissan Leaf$2,190-$288
18Mitsubishi Mirage G4$2,192-$286
19Honda Clarity$2,272-$206
20Hyundai Elantra$2,298-$180
21Hyundai Ioniq$2,340-$138
22Toyota 86$2,478--
23Toyota Mirai$2,574$96

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.

2021 86 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Toyota 86 Insurance Rates by Trim Level
2021 Toyota 86 Trim Level Annual Premium Cost Per Month
Coupe$2,422$202
GT Coupe$2,450$204
GT TRD Handling Coupe$2,512$209
TRD Handling Coupe$2,532$211

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 2021 Toyota 86 for different driver ages.

2021 Toyota 86 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,955$746
17$8,653$721
18$7,712$643
19$7,033$586
20$5,371$448
21$5,122$427
22$4,578$382
23$3,767$314
24$3,554$296
25$2,878$240
30$2,640$220
35$2,548$212
40$2,478$207
45$2,322$194
50$2,200$183
55$2,054$171
60$2,060$172
65$2,196$183
70$2,384$199
75$2,822$235
80$3,486$291

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.