- Average Toyota 86 insurance cost is $2,478 per year, or $207 per month for full coverage.
- The cheapest Toyota 86 insurance is on the Coupe trim level at around $2,422 per year.
- Out of 23 vehicles in the small car segment, the Toyota 86 ranks 22nd for insurance affordability.
- For the 2022 model year, see our Toyota GR86 insurance cost guide.
How much does Toyota 86 car insurance cost?
Average Toyota 86 car insurance rates cost $2,478 per year, which is right around $207 per month. Collision insurance will cost about $1,088 a year, comprehensive costs about $574, and the remaining liability and medical (or PIP) coverage will cost approximately $816.
The chart below illustrates average car insurance rates for a 2021 Toyota 86 using variations of risk profiles and driver ages.
Do the TRD models cost more to insure?
The two most expensive trim levels of Toyota 86 to insure are the TRD Handling Coupe at $2,532 and the GT TRD Handling Coupe at $2,512 per year. The TRD models will cost an extra $110 and $90 to insure per year, respectively, over the cheapest Coupe model.
What is the cheapest Toyota 86 car insurance?
The cheapest car insurance rates for the Toyota 86 are found on the Coupe at an estimated $2,422 per year, and the GT Coupe at $2,450 per year.
The rate table below details the average Toyota 86 car insurance rates for both annual and semi-annual policy terms, in addition to a monthly budget estimate, for each 2021 model year 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. Updated June 26, 2025
How does Toyota 86 car insurance cost compare?
When compared directly to the top-selling other small cars, insurance for a Toyota 86 costs $560 more per year than the Honda Civic, $742 more than the Toyota Corolla, $606 more than the Nissan Sentra, and $180 more than the Hyundai Elantra.
The Toyota 86 ranks 22nd out of 23 comparison vehicles in the small car segment for insurance affordability. The 86 costs an estimated $2,478 per year to insure for full coverage and the category average rate is $2,056 annually, a difference of $422 per year.
The table below shows how average car insurance rates on a Toyota 86 compare to the entire compact car segment. Look in the difference column to find out the difference in insurance cost for each model compared to the Toyota 86.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Chevrolet Spark | $1,630 | -$848 |
| 2 | Kia Rio5 | $1,722 | -$756 |
| 3 | Toyota Corolla | $1,736 | -$742 |
| 4 | Volkswagen Golf | $1,788 | -$690 |
| 5 | Subaru Impreza | $1,830 | -$648 |
| 6 | Nissan Sentra | $1,872 | -$606 |
| 7 | Mazda 3 | $1,884 | -$594 |
| 8 | Honda Civic | $1,918 | -$560 |
| 9 | Kia Rio | $1,928 | -$550 |
| 10 | Hyundai Accent | $1,944 | -$534 |
| 11 | Kia Forte | $1,974 | -$504 |
| 12 | Toyota Prius | $2,086 | -$392 |
| 13 | Hyundai Veloster | $2,152 | -$326 |
| 14 | Volkswagen Jetta | $2,156 | -$322 |
| 15 | Nissan Versa | $2,164 | -$314 |
| 16 | Volkswagen GTI | $2,168 | -$310 |
| 17 | Nissan Leaf | $2,190 | -$288 |
| 18 | Mitsubishi Mirage G4 | $2,192 | -$286 |
| 19 | Honda Clarity | $2,272 | -$206 |
| 20 | Hyundai Elantra | $2,298 | -$180 |
| 21 | Hyundai Ioniq | $2,340 | -$138 |
| 22 | Toyota 86 | $2,478 | -- |
| 23 | Toyota 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 vehicle from the 2021 model year. Updated June 27, 2025
How much is insurance on a used Toyota 86?
Used models generally tend to have cheaper insurance rates, but the Toyota 86 is very unique. Not only are the rates very similar for used models, but some years actually show a drop in cost for the newer model. The table below details average insurance policy premiums for a Toyota 86 for various driver age groups for the 2017 through 2021 model years.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2021 Toyota 86 | $5,012 | $2,478 | $2,060 |
| 2020 Toyota 86 | $4,864 | $2,406 | $2,000 |
| 2019 Toyota 86 | $4,564 | $2,270 | $1,890 |
| 2018 Toyota 86 | $4,454 | $2,214 | $1,848 |
| 2017 Toyota 86 | $4,394 | $2,188 | $1,828 |
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 Toyota 86 trim levels for each model year. Updated June 27, 2025
