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 $276 per year.
• For a 2024 model year Toyota Highlander, average full coverage car insurance rates cost from $2,006 to $2,370 per year, while the average insurance rate for a 2024 Toyota Sienna ranges from $2,266 to $2,584, 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 $2,180 per year, whereas the Toyota Sienna costs an average of $2,456 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 $2,006 per year, or $167 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 $2,266.

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 $2,006 per year. The most expensive vehicle to insure is the Toyota Sienna Platinum AWD costing an average of $2,584 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 $1,928 to $4,372 per year for the example age groups. A 2024 Toyota Sienna costs from $2,176 to $4,962 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 $2,340 per year, whereas the 2023 Toyota Sienna costs an average of $2,394 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 $2,050 per year, or about $171 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 $2,202 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 $2,050 per year, and the most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum AWD costing $2,628 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 $2,066 to $4,746 per year for a 2023 Toyota Highlander, and $2,122 to $4,842 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 $2,204 per year, and a 2022 Toyota Sienna averages $2,294 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 $1,932 per year for the L 2WD model up to $2,480 for the Hybrid Platinum AWD model. For the 2022 Toyota Sienna, rates can range from $2,154 per year for the LE 2WD model up to $2,424 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 $161 to $207.

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 $100 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 $106 per year.
• 2017 Model Year – The Toyota Highlander is cheaper by an average of $96 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 $34 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 $1,946 to $4,476 per year. Full-coverage car insurance for the 2022 Toyota Sienna costs from $2,034 to $4,646 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 $1,932 per year, or around $161 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 $2,154 per year, or around $180 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 $1,932 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum AWD costing an average of $2,480 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 $1,998 to $4,598 per year for the chosen age groups in the chart. Car insurance on the 2021 Toyota Sienna costs from $1,912 to $4,364 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 $1,982 per year, or around $165 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 $2,010.

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 $1,982 per year, and the highest-cost model and trim is the Toyota Highlander Hybrid Platinum 4WD costing $2,598 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 $2,192 per year for a full-coverage policy and the Toyota Sienna costs $2,092, making the Toyota Sienna the cheaper model by $100 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 $1,944 to $4,472 per year on the 2020 Toyota Highlander, and $1,854 to $4,228 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 $1,928 per year, or about $161 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 $1,948.

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 $1,928 per year. The highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing $2,526 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 $2,062 per year to insure and the Toyota Sienna costs $2,146, 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 $1,828 to $4,208 per year for a 2019 Toyota Highlander, and $1,904 to $4,346 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 $1,854 per year, or about $155 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 $2,012.

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 $1,854 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Limited Platinum 4WD at an average cost of $2,262 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 $106 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 $1,750 to $4,014 per year for the 2018 Toyota Highlander, and $1,844 to $4,198 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 $1,772 per year, or $148 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 $1,926.

When comparing rates by trim level for both models, the cheapest trim to insure is the Toyota Highlander LE 2WD at a cost of $1,772 per year. The overall most expensive vehicle to insure is the Toyota Highlander Hybrid Limited 4WD at an average of $2,184 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 $1,878 per year for a full-coverage policy and the Toyota Sienna costs $1,974, making the Toyota Highlander the cheaper model to insure by $96 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 $1,670 to $3,820 per year for the included age groups. Car insurance on a 2017 Toyota Sienna ranges from $1,756 to $3,986 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 $1,704 per year, or around $142 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 $1,802 per year, or $150 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 $1,704 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing $2,076 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 $1,650 to $3,748 per year for the five driver ages sampled in the chart. A full-coverage policy for a 2016 Toyota Sienna ranges from $1,560 to $3,508 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 $1,674 per year, or around $140 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 $1,606 per year, or $134 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 $1,606 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD at a cost of $2,078 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 $34 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 $1,482 to $3,356 per year for the example age groups. Insurance for a 2015 Toyota Sienna costs from $1,452 to $3,260 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 $1,496 per year, or around $125 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 $1,526 per year, or around $127 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 $1,496 per year, and the highest-cost model and trim is the Toyota Highlander Hybrid Platinum 4WD at a cost of $1,916 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