It varies a lot by location. Living in a big city could easily add that $20/month. Off the top of my head, if that $86 is for a good policy with collision and a perk or two, that's about right. If it's just for the minimum required liability, you're getting hosed.
Something I recommend to everybody, find an agent you like, and who likes you. Insurance reps are one of those deals where a lifelong relationship is a damn fine thing. When I was 23, driving a sports car and racking up tickets weekly, most insurance agents would laugh at me. One guy recognized that I had 50 years of driving ahead of me and wanted to earn some loyalty, which he did in spades. I was heartbroken when he finally retired a few years ago. He'd go out of his way to look for discounts for me.