Toyota 86 Car Insurance Quotes (2025)
On average, the Toyota 86 costs $204 per month to insure. But rates increase to $240 if you choose a newer GR86.
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Written byJanet Berry-Johnson
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Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
The Toyota 86 is a sleek, budget-friendly sports car with a loyal following for its balanced handling and standout design. But with an average monthly cost of $204, insuring it can be pricey compared to other Toyotas.
Compared to other performance cars, the Toyota 86 tends to be more affordable to insure, but it’s still pricier than your average sedan. This guide breaks down the average rates for different model years and gives you the most affordable insurance rates.
Quick Facts
Toyota previously sold this sporty coupe as the Scion FR-S through 2016, and it became the GR86 in 2022.
The 2019 edition of the Toyota 86 is the cheapest to insure.
You may need comprehensive and collision coverage due to the 86’s sports car classification and higher repair costs.
Cost of Toyota 86 insurance by model year
The Toyota 86 has gone through multiple evolutions over the years. It originally sold as the Scion FR-S in the U.S. In 2016, Toyota discontinued the Scion brand and absorbed popular models into the Toyota brand. In 2022, the company redesigned the Toyota 86 and renamed it the GR86.[1]
Insurance costs vary by model year, but the average premium is around $2,448 per year. USAA offers the lowest average rates for this vehicle among major insurance companies, although it’s only available for qualified military members and their families.
The table below shows the average monthly rates for the Scion FR-S (2016), the Toyota 86 (2017–2020), and the GR86 (2022–2025) by model year.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $150 |
| 2024 | $155 |
| 2023 | $162 |
| 2022 | $129 |
| 2020 | $208 |
| 2019 | $126 |
| 2018 | $142 |
| 2017 | $141 |
| 2016 | $182 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The 2025 Toyota GR86 combines performance and affordability, with a manufacturer’s suggested retail price (MSRP) of approximately $30,000. Insurance for these cars varies based on several factors, including your driving profile, trim level, and location.
Below is a table showing the average monthly insurance quotes for the 2025 Toyota GR86 from various insurance companies.
Insurance CompanyAverage Monthly QuoteDirect Auto $98 The General $104 Alinsco $128 Liberty Mutual $259 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2024 Toyota GR86 has an MSRP of $30,395, with the Premium trim priced at $32,995 and the limited-run TRUENO Edition at $35,815.[2] The trim level and edition will affect your premiums, as high-value cars often need more expensive parts for repairs.
The table below shows several insurance companies’ average monthly quotes for the 2024 Toyota GR86.
Insurance CompanyAverage Monthly QuoteMile Auto $73 Dairyland $86 The General $97 Root $110 National General $117 Direct Auto $121 Excepsure $139 Mercury $160 Bristol West $168 Hugo $223 Liberty Mutual $262 GAINSCO $298 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2023 Toyota GR86 offers an engaging driving experience at an accessible price point. With a base MSRP of $28,400, it delivers performance without a high price.
Insurance rates for a 2023 GR86 vary based on your driving history, credit history, and location.
The table below shows the average monthly insurance quotes from various insurance companies.
Insurance CompanyAverage Monthly QuoteAspire General $75 HiRoad $76 Mile Auto $89 Commonwealth Casualty $90 Direct Auto $96 National General $97 GAINSCO $128 Elephant $145 Bristol West $169 Dairyland $171 The General $203 Hugo $233 USA Underwriters $236 Liberty Mutual $241 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In 2022, Toyota reintroduced its affordable sports coupe with significant upgrades, including a more powerful 2.4-liter engine and a redesigned interior and exterior. The base model starts at $27,700.
Below is a table showing the average monthly quotes from various insurance companies.
Insurance CompanyAverage Monthly QuoteMile Auto $61 National General $89 Commonwealth Casualty $109 Direct Auto $117 Kemper RSVP $126 Kemper Special $127 Excepsure $131 Bristol West $132 Mercury $149 Elephant $152 GAINSCO $168 Kemper Economy $192 Liberty Mutual $196 Hugo $223 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2021 Toyota 86 — the final year before its transition to the GR86 in the U.S. market — offered a compelling blend of performance and affordability. With an MSRP of $30,000, it featured a 2.0-liter engine delivering 228 horsepower paired with a six-speed manual or automatic transmission.
Average monthly quotes for the 2021 Toyota 86 aren’t included below due to insufficient data.
The 2020 Toyota 86, with an MSRP of $27,060, offers a blend of affordability and performance.[3]
The table below shows the average monthly insurance premiums for the 2020 Toyota 86 from various insurance companies.
Insurance CompanyAverage Monthly QuoteElephant $120 Excepsure $133 National General $145 Direct Auto $160 Alinsco $243 Hugo $247 Liberty Mutual $253 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 Toyota 86 has a starting MSRP of $26,655, making it an affordable entry point into the sports car segment. While your rates will vary depending on your driving history and other factors, the table below gives you an idea of the average monthly quotes based on Insurify data.
Insurance CompanyAverage Monthly QuoteMile Auto $72 Root $76 Dairyland $89 Direct Auto $109 Bristol West $115 National General $116 GAINSCO $126 HiRoad $134 Liberty Mutual $212 The General $216 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2018 Toyota 86 is known for its agile handling and rear-wheel-drive dynamics. It had an MSRP of $26,455.
Below is a table with the average monthly premiums for the 2018 model from several different insurance companies.
Insurance CompanyAverage Monthly QuoteMile Auto $77 National General $103 Excepsure $149 Direct Auto $162 Kemper Economy $176 The General $178 Bristol West $201 Hugo $208 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2017 Toyota 86 was the transition from the Scion FR-S to Toyota’s lineup. Its MSRP was $26,255. This model year introduced performance enhancements, including a slight horsepower increase for the manual transmission model and suspension tuning for improved handling.
The table below shows the average monthly insurance premiums from various insurance companies.
Insurance CompanyAverage Monthly QuoteMile Auto $60 Aspire General $71 Mercury $91 National General $101 Direct Auto $102 Commonwealth Casualty $112 The General $121 Kemper RSVP $126 Elephant $135 AssuranceAmerica $143 Bristol West $158 Clearcover $191 Liberty Mutual $208 GAINSCO $250 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2016 model year was the final year for the Scion FR-S before its rebranding to the Toyota 86. This rear-wheel-drive sports coupe started at $25,305 and offered a balanced driving experience with its 2.0-liter flat-four engine and precise handling.
Below is a table showing the average monthly quotes for the 2016 Scion FR-S from several insurance companies.
Insurance CompanyAverage Monthly QuoteCertainly $98 Alinsco $107 GAINSCO $109 Commonwealth Casualty $110 Bristol West $122 Excepsure $154 National General $163 Direct Auto $176 Sun Coast $201 Elephant $220 Freedom National $234 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Toyota insurance by state
Insurance rates for Toyotas vary depending on where you live. Factors like local accident rates, state insurance laws, and repair costs all play a role. Below is a breakdown of the average annual insurance costs by state.
Alaska and Hawaii not included due to lack of data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $137 |
| Arizona | $168 |
| Arkansas | $247 |
| California | $232 |
| Colorado | $212 |
| Connecticut | $323 |
| Delaware | $237 |
| Florida | $222 |
| Georgia | $240 |
| Idaho | $121 |
| Illinois | $164 |
| Indiana | $139 |
| Iowa | $117 |
| Kansas | $159 |
| Kentucky | $209 |
| Louisiana | $214 |
| Maine | $145 |
| Maryland | $327 |
| Massachusetts | $172 |
| Michigan | $267 |
| Minnesota | $188 |
| Mississippi | $200 |
| Missouri | $186 |
| Montana | $160 |
| Nebraska | $169 |
| Nevada | $271 |
| New Hampshire | $109 |
| New Jersey | $172 |
| New Mexico | $153 |
| New York | $454 |
| North Carolina | $90 |
| North Dakota | $132 |
| Ohio | $125 |
| Oklahoma | $172 |
| Oregon | $155 |
| Pennsylvania | $167 |
| Rhode Island | $142 |
| South Carolina | $260 |
| South Dakota | $125 |
| Tennessee | $144 |
| Texas | $228 |
| Utah | $177 |
| Vermont | $146 |
| Virginia | $185 |
| Washington | $154 |
| District of Columbia | $332 |
| West Virginia | $151 |
| Wisconsin | $128 |
| Wyoming | $115 |
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How to ensure you have enough coverage on your Toyota 86
To protect your Toyota 86 from unexpected claims and repair costs, you need to carry the right amount of car insurance. A liability policy may meet state-minimum insurance requirements but fall short if you’re involved in an accident that damages your vehicle.
Here are several different types of insurance to consider.[4]
Liability coverage
Most states require drivers to have liability insurance to cover injuries and property damage they cause to others in an at-fault accident. It doesn’t cover your own vehicle, so if you damage your Toyota 86 in an accident, you’ll need additional coverage to avoid paying out of pocket.
Collision coverage
This pays to repair or replace your Toyota 86 if you hit another vehicle or object, regardless of fault. Given the 86’s sports car profile and potentially high repair costs, collision coverage is a good idea even if you fully paid off your car loan.
Comprehensive coverage
This covers non-collision events like theft, vandalism, hail damage, or hitting an animal. For example, if a tree branch falls on your parked GR86, comprehensive coverage pays for the damage minus your deductible.
Uninsured/underinsured motorist coverage
If a driver with little or no insurance hits your car, this coverage helps pay for your medical bills and car repairs. It’s especially useful in states with high rates of uninsured drivers.
Medical payments/personal injury protection (PIP)
These cover medical costs for you and your passengers, regardless of who’s at fault. PIP may also cover lost wages and other expenses, depending on your state’s requirements.
Toyota 86 car insurance FAQs
If you’re considering a Toyota 86 or already own one, here are answers to some of the most common questions about insuring this sporty coupe.
Mile Auto typically offers the lowest rates for Toyota 86 insurance, but it’s only available in certain states and is a pay-per-mile company. For more traditional insurers, The General and Dairyland are affordable options.
Compared to sedans and compact cars, the Toyota 86 is more expensive to insure due to its classification as a sports car and higher repair costs. But it’s generally comparable to insurance rates on similar performance models.
The average cost to insure a Toyota 86 is about $142 per month for liability-only coverage and $266 for full coverage. But rates vary based on your age, location, and driving history.
The Toyota 86 offers excellent handling and a manageable power level, but higher insurance costs, rear-wheel drive, and a manual transmission might make it better suited for more experienced drivers rather than first-time car owners.[5]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- CarBuzz. "Toyota GR86 Generations: Everything You Need To Know In One Place."
- Kelley Blue Book. "Toyota 86."
- Edmunds. "Toyota 86."
- III. "Auto insurance basics—understanding your coverage."
- Car and Driver. "Toyota GR86."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.