2023 Toyota Sienna Car Insurance Calculator

Discover how changes to risk factors and vehicle options affect car insurance rates for a 2023 Toyota Sienna. Customize rate factors like coverage deductibles, age of the driver, policy discounts, and Sienna trim level. Get instant feedback if your rates increased or decreased.

The average estimated car insurance premium for a 2023 Toyota Sienna is $2,336 per year, or about $195 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

$2,336

Cost Per Month

$195

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 Sienna 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 2023 Toyota Sienna.

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.

$2,336
Average Rate
Your Rate
$2,336

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 2023 Toyota Sienna 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 2023 Toyota Sienna is $2,336.

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.

2023 Toyota Sienna vs. the Midsize Minivan Segment

The table below compares insurance rates for the 2023 Toyota Sienna against all other models in the midsize minivan segment. The Toyota Sienna 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 Sienna, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Toyota Sienna.

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

2023 Toyota Sienna Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Odyssey$2,082-$254
2Chrysler Pacifica$2,232-$104
2023 Midsize Minivan Average$2,233-$103
3Kia Carnival$2,282-$54
4Toyota Sienna$2,336--

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.

2023 Sienna Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Toyota Sienna.

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.

2023 Toyota Sienna Insurance Rates by Trim Level
2023 Toyota Sienna Trim Level Annual Premium Cost Per Month
LE 2WD$2,152$179
LE AWD$2,198$183
XLE 2WD$2,272$189
XLE AWD$2,312$193
XSE 2WD$2,318$193
XSE AWD$2,330$194
25th Anniversary Edition 2WD$2,378$198
25th Anniversary Edition AWD$2,392$199
Limited 2WD$2,392$199
Limited AWD$2,418$202
Platinum 2WD$2,440$203
Platinum AWD$2,448$204

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 2023 Toyota Sienna for different driver ages.

2023 Toyota Sienna Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,398$700
17$8,132$678
18$7,276$606
19$6,626$552
20$5,065$422
21$4,832$403
22$4,323$360
23$3,544$295
24$3,350$279
25$2,718$227
30$2,490$208
35$2,400$200
40$2,336$195
45$2,184$182
50$2,068$172
55$1,934$161
60$1,940$162
65$2,068$172
70$2,240$187
75$2,642$220
80$3,262$272

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 Sienna trim levels.