Toyota Highlander vs. Sienna Car Insurance Comparisons

• The Toyota Highlander beats out the Toyota Sienna in our head-to-head insurance cost comparison, at an average savings of $266 per year.
• For a 2024 model year Toyota Highlander, average full coverage car insurance rates cost from $1,958 to $2,316 per year, while the average insurance rate for a 2024 Toyota Sienna ranges from $2,212 to $2,524, depending on the exact model being insured.
• If cheap auto insurance is your highest priority, the LE 2WD and Hybrid LE 2WD trim levels are the cheapest Toyota Highlander models to insure, while the LE 2WD and LE AWD trims have the cheapest rates for the Toyota Sienna.

Is it cheaper to insure a Toyota Highlander or Sienna?

When comparing 2024 Toyota Highlander and Toyota Sienna models, the one with the cheapest average auto insurance rates is the Toyota Highlander. Average insurance rates for the Toyota Highlander are $2,132 per year, whereas the Toyota Sienna costs an average of $2,398 per year.

Out of 20 Toyota Highlander trim levels, the cheapest 2024 trim level to insure is the LE 2WD model at an average cost of $1,958 per year, or $163 per month. Out of the 11 trims available for the Toyota Sienna, the cheapest 2024 trim to insure is the LE 2WD model at a cost of $2,212.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim level is the Toyota Highlander LE 2WD at an average cost of $1,958 per year. The most expensive vehicle to insure is the Toyota Sienna Platinum AWD costing an average of $2,524 per year.

The next table compares and ranks the yearly and monthly cost of car insurance for 2024 Toyota Highlander and Toyota Sienna models, with average rates for every trim level for each model.

The chart shown below illustrates the average cost to insure the two models for different driver ages. For a 2024 Toyota Highlander, insurance cost ranges from $1,880 to $4,268 per year for the example age groups. A 2024 Toyota Sienna costs from $2,124 to $4,838 to insure per year.

The rate tables below show average car insurance rates for every trim level for both 2024 models, including an overall average rate. The winner for the 2024 car insurance comparison is the Toyota Highlander.

2023 Toyota Highlander vs. Toyota Sienna

Average insurance rates for a 2023 Toyota Highlander are $2,284 per year, whereas the 2023 Toyota Sienna costs an average of $2,336 per year, making the Toyota Highlander the cheaper of the two models to insure.

Out of 22 trim levels for the 2023 Toyota Highlander, the cheapest auto insurance rates are on the L 2WD model at a cost of $2,002 per year, or about $167 per month. The 2023 Toyota Sienna has 12 trims available, with the cheapest trim level to insure being the LE 2WD model at an average cost of $2,152 per year.

When rates for all 34 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Toyota Highlander L 2WD at an average rate of $2,002 per year, and the most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum AWD costing $2,566 per year.

The next table ranks the annual and monthly cost of car insurance for 2023 Toyota Highlander and Toyota Sienna models, showing average cost by trim level for each model.

The chart shown below visualizes the average cost to insure both models for the 20 to 50-year-old driver age groups. The average car insurance cost ranges from $2,018 to $4,632 per year for a 2023 Toyota Highlander, and $2,068 to $4,724 for a 2023 Toyota Sienna for the included age groups.

The tables below display average car insurance rates for every trim level for both 2023 models, plus the average rate for each model. The cheapest to insure for the 2023 model year is the Toyota Highlander.

2022 Toyota Highlander vs. Toyota Sienna

Insurance rates on a 2022 Toyota Highlander cost an average of $2,150 per year, and a 2022 Toyota Sienna averages $2,240 per year, making the Toyota Highlander the model with cheaper overall insurance rates.

Cost varies significantly depending on the trim level of the vehicle being insured, however. To illustrate this, on a 2022 Toyota Highlander, insurance rates range from the lowest rate of $1,886 per year for the L 2WD model up to $2,424 for the Hybrid Platinum AWD model. For the 2022 Toyota Sienna, rates can range from $2,104 per year for the LE 2WD model up to $2,368 on the Platinum AWD model.

For a 2022 Toyota Highlander, the cheapest models to insure are the L 2WD, L AWD, and LE 2WD. The lowest-cost Toyota Sienna trims to insure are the LE 2WD, LE AWD, and XLE 2WD. From a monthly standpoint, expect rates to range from $157 to $202.

For models prior to 2022, average insurance costs compare as shown below. Click on a model year to view insurance rates for all trim levels.

• 2021 Model Year – The Toyota Sienna is cheaper by an average of $94 per year.
• 2020 Model Year – The Toyota Sienna is cheaper by an average of $96 per year.
• 2019 Model Year – Toyota Highlander insurance cost averages $84 less per year than the Toyota Sienna.
• 2018 Model Year – The Toyota Highlander is cheaper by an average of $102 per year.
• 2017 Model Year – The Toyota Highlander is cheaper by an average of $94 per year.
• 2016 Model Year – The Toyota Sienna is cheaper by an average of $98 per year.
• 2015 Model Year – The Toyota Sienna is cheaper to insure than the Toyota Highlander by an average of $30 per year.

The rate table below ranks the annual and monthly cost of car insurance for 2022 Toyota Highlander and Toyota Sienna models, broken down by trim level.

The following chart demonstrates the average car insurance cost for both 2022 models with different driver age groups. For a 2022 Toyota Highlander, insurance cost ranges from $1,902 to $4,366 per year. Full-coverage car insurance for the 2022 Toyota Sienna costs from $1,984 to $4,534 on average per year.

A 2022 Toyota Highlander has 22 trim levels available, with the cheapest model to insure being the L 2WD trim at an average cost of $1,886 per year, or around $157 per month. The 2022 Toyota Sienna has 11 trims available, with the lowest-cost model to insure being the LE 2WD model at an average cost of $2,104 per year, or around $175 per month.

When all 33 trims of both models are combined and compared, the most affordable model and trim level to buy insurance for is the Toyota Highlander L 2WD at an average cost of $1,886 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum AWD costing an average of $2,424 per year.

The next two rate tables detail average car insurance rates for each trim level, plus an average rate for each model.

2021 Toyota Highlander vs. Toyota Sienna

For 2021 Toyota Highlander and Toyota Sienna models, the Toyota Sienna costs less to insure by an average of $94 per year.

The rate chart below demonstrates the average car insurance cost for both models for the 20, 30, 40, and 50-year-old driver age groups. For the 2021 Toyota Highlander, the average cost of car insurance ranges from $1,952 to $4,488 per year for the chosen age groups in the chart. Car insurance on the 2021 Toyota Sienna costs from $1,864 to $4,262 on average per year.

Out of 17 trims for a 2021 Toyota Highlander, the cheapest rates are on the L 2WD model at a cost of $1,936 per year, or around $161 per month. Out of the 15 trims available for the Toyota Sienna, the lowest-cost 2021 model to insure is the L model at a cost of $1,962.

When comparing car insurance rates for both models by trim level, the most affordable model and trim level to insure is the Toyota Highlander L 2WD at a cost of $1,936 per year, and the highest-cost model and trim is the Toyota Highlander Hybrid Platinum 4WD costing $2,536 per year.

The two tables below show the cost to insure the available trim levels for both 2021 models, including an overall average cost for each model.

2020 Toyota Highlander vs. Toyota Sienna

When comparing insurance cost for 2020 models, the Toyota Highlander costs an average of $2,140 per year for a full-coverage policy and the Toyota Sienna costs $2,044, making the Toyota Sienna the cheaper model by $96 for this comparison year.

The chart below displays the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. Average full-coverage insurance ranges from $1,900 to $4,366 per year on the 2020 Toyota Highlander, and $1,812 to $4,130 for the 2020 Toyota Sienna for the driver ages used.

Out of 17 Toyota Highlander trims, the lowest-cost 2020 trim to insure is the L 2WD model at an average cost of $1,880 per year, or about $157 per month. For the 15 trim and option levels available for the Toyota Sienna, the cheapest 2020 trim level to insure is the L trim at a cost of $1,902.

When trim-level rates for both models are compared, the most affordable model and trim level to put coverage on is the Toyota Highlander L 2WD at a cost of $1,880 per year. The highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing $2,464 per year.

The next two rate tables detail average cost to insure each trim level for a 2020 Toyota Highlander and Toyota Sienna, including an overall average rate. The cheapest model to insure for the 2020 model year is the Toyota Sienna.

2019 Toyota Highlander vs. Toyota Sienna

When comparing insurance cost for 2019 models, the Toyota Highlander costs an average of $2,012 per year to insure and the Toyota Sienna costs $2,096, making the Toyota Highlander the cheaper model by $84 for this model year.

The next chart visualizes the average cost to insure the two models for a range of driver ages. Insurance cost ranges from $1,784 to $4,108 per year for a 2019 Toyota Highlander, and $1,860 to $4,240 on a 2019 Toyota Sienna for the chosen age groups in the chart.

The 2019 Toyota Highlander has 17 trim levels available, with the cheapest trim to insure being the LE 2WD trim at an average cost of $1,810 per year, or about $151 per month. For the 10 trim levels available for the Toyota Sienna, the most affordable 2019 model to insure is the L model at a cost of $1,966.

When comparing combined rates for both models from a trim-level perspective, the cheapest model and trim level to buy insurance for is the Toyota Highlander LE 2WD at an average of $1,810 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Limited Platinum 4WD at an average cost of $2,208 per year.

The tables below display average car insurance rates for every trim level for both 2019 models, as well as the overall average rate for each model.

2018 Toyota Highlander vs. Toyota Sienna

A 2018 Toyota Highlander is $102 cheaper to insure per year on average than a 2018 Toyota Sienna, a difference of 5.2%.

The chart shown below visualizes the average car insurance cost for both 2018 models rated for a variety of different driver ages. A full-coverage car insurance policy ranges from $1,708 to $3,916 per year for the 2018 Toyota Highlander, and $1,800 to $4,096 for a 2018 Toyota Sienna for the five different driver ages shown in the chart.

Out of 16 trim levels for the 2018 Toyota Highlander, the cheapest average insurance prices are on the LE 2WD trim at a cost of $1,730 per year, or $144 per month.

Out of the 13 trim options available for a Toyota Sienna, the cheapest 2018 trim to insure is the L model at a cost of $1,882.

When comparing rates by trim level for both models, the cheapest trim to insure is the Toyota Highlander LE 2WD at a cost of $1,730 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Limited 4WD at an average of $2,132 per year.

The next tables detail the expected annual car insurance cost by trim level for both 2018 models, including an overall average cost for each model. The 2018 Toyota Highlander can declare victory over the 2018 Toyota Sienna for cheapest car insurance cost.

2017 Toyota Highlander vs. Toyota Sienna

When comparing average insurance cost for 2017 models, the Toyota Highlander costs an average of $1,834 per year for a full-coverage policy and the Toyota Sienna costs $1,928, making the Toyota Highlander the cheaper model to insure by $94 for this comparison year.

The next chart illustrates the average car insurance cost for both 2017 models with different drivers at the wheel. For a 2017 Toyota Highlander, average insurance cost ranges from $1,628 to $3,726 per year for the included age groups. Car insurance on a 2017 Toyota Sienna ranges from $1,714 to $3,890 on average per year.

Out of 14 trims for a 2017 Toyota Highlander, the lowest-cost rates are on the LE 2WD model at a cost of $1,666 per year, or around $139 per month.

For the 13 trim levels available for the Toyota Sienna, the lowest-cost 2017 trim to insure is the L trim at a cost of $1,762 per year, or $147 per month.

When comparing combined rates for both models from a trim-level perspective, the lowest-cost model and trim to insure is the Toyota Highlander LE 2WD at an average cost of $1,666 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing $2,030 per year.

The tables below break down average car insurance rates for every trim level for both 2017 models, along with the average rate for each model. The model with the cheapest overall car insurance cost for 2017 is the Toyota Highlander.

2016 Toyota Highlander vs. Toyota Sienna

For 2016 Toyota Highlander and Toyota Sienna models, the Toyota Sienna is cheaper to insure by $98 per year.

The chart shown below demonstrates the average cost to insure both 2016 models rated for multiple driver ages. For the 2016 Toyota Highlander, the average cost of car insurance ranges from $1,612 to $3,658 per year for the five driver ages sampled in the chart. A full-coverage policy for a 2016 Toyota Sienna ranges from $1,522 to $3,424 on average per year.

Out of 12 trim levels for a 2016 Toyota Highlander, the lowest-cost insurance prices are on the LE 2WD trim at a cost of $1,636 per year, or around $136 per month.

For the 13 trim options available for the Toyota Sienna, the lowest-cost 2016 trim package to insure is the L model at a cost of $1,568 per year, or $131 per month.

When looking at the combined rates by trim for both models, the overall cheapest vehicle to insure is the Toyota Sienna L at a cost of $1,568 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at a cost of $2,028 per year.

The next tables display both 2016 models and all trim levels available for each one, along with the average rate for each model. The model with the cheapest average car insurance rates for 2016 is the Toyota Sienna.

2015 Toyota Highlander vs. Toyota Sienna

For the 2015 Toyota Highlander and Toyota Sienna models, the Toyota Sienna has cheaper car insurance rates by $30 per year for this model year.

The chart below demonstrates the average insurance cost for the two models for four different driver age groups. For the 2015 Toyota Highlander, average insurance cost ranges from $1,446 to $3,274 per year for the example age groups. Insurance for a 2015 Toyota Sienna costs from $1,418 to $3,184 on average per year.

Out of 12 Toyota Highlander trim levels, the cheapest 2015 trim to insure is the LE 2WD model at an average cost of $1,460 per year, or around $122 per month. For the eight trim and option levels available for the Toyota Sienna, the cheapest 2015 trim to insure is the L model at a cost of $1,490 per year, or around $124 per month.

When rates are compared for the 20 trim and option levels of both 2015 models, the overall cheapest vehicle to buy insurance for is the Toyota Highlander LE 2WD at an average rate of $1,460 per year, and the highest-cost model and trim is the Toyota Highlander Hybrid Platinum 4WD at a cost of $1,872 per year.

The next two rate tables display average car insurance cost by trim level for a 2015 Toyota Highlander and Toyota Sienna, including an overall average rate. The cheapest to insure for the 2015 model year is the Toyota Sienna.

Additional Toyota Highlander and Toyota Sienna Resources

• Toyota Highlander Insurance Cost
• Toyota Sienna Insurance Cost
• Midsize SUV Insurance Cost Comparisons
• Midsize Minivan Insurance Cost Comparisons