- Toyota Sienna car insurance costs an average of $2,398 per year, or about $200 per month for a policy with full coverage.
- The Sienna LE 2WD trim level is the cheapest to insure at around $2,212 per year. The most expensive trim is the Platinum AWD at $2,524 per year.
- Out of four vehicles in the 2024 minivan segment, the Sienna ranks third for insurance affordability.
- Insurance rates in a few larger cities include $2,820 in Atlanta, GA, $3,696 in New Orleans, LA, and $3,152 in San Francisco, CA.
How much does Toyota Sienna insurance cost?
An average driver will pay around $2,398 per year for full coverage insurance on a Toyota Sienna. Insurance cost per month ranges from $184 to $210 depending on the trim level being insured.
Comprehensive coverage costs an average of $576 a year, liability and medical coverage costs approximately $728, and the remaining collision insurance costs about $1,094.
The following chart shows average car insurance rates for a 2024 Toyota Sienna using a range of driver ages, deductible levels, and risk profiles.
Which Toyota Sienna is the cheapest to insure?
The cheapest trim level of Toyota Sienna to insure is the LE 2WD at around $2,212 per year, or about $184 per month. The next cheapest model is the LE AWD at $2,294 per year, and the third cheapest trim level to insure is the XLE 2WD at $2,332 per year.
For higher trim levels, the three highest cost Sienna models to insure are the Toyota Sienna Limited AWD, the Platinum 2WD, and the Platinum AWD trim levels at an estimated $2,454, $2,498, and $2,524 per year, respectively.
The next table details average auto insurance rates for a 2024 Sienna, in addition to a monthly budget figure, for each available trim level.
| 2024 Toyota Sienna Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| LE 2WD | $2,212 | $184 |
| LE AWD | $2,294 | $191 |
| XLE 2WD | $2,332 | $194 |
| XSE 2WD | $2,378 | $198 |
| XLE AWD | $2,396 | $200 |
| XSE AWD | $2,414 | $201 |
| Woodland Edition | $2,434 | $203 |
| Limited 2WD | $2,454 | $205 |
| Limited AWD | $2,454 | $205 |
| Platinum 2WD | $2,498 | $208 |
| Platinum AWD | $2,524 | $210 |
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. Updated June 26, 2025
The Sienna vs. other minivans: How does it rank?
The Toyota Sienna ranks third out of four total vehicles in the midsize minivan segment for overall insurance cost. It costs an average of $2,398 per year for insurance on a 2024 Sienna, while the class average cost is $2,318 annually, a difference of $80 per year.
When compared to other minivan models, car insurance for a Toyota Sienna costs $260 more per year than the Honda Odyssey, $84 more than the Chrysler Pacifica, and $24 less than the Kia Carnival.
The table below ranks all 2024 model year minivans by insurance affordability with the difference in price compared to the Toyota Sienna.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Odyssey | $2,138 | -$260 |
| 2 | Chrysler Pacifica | $2,314 | -$84 |
| 3 | Toyota Sienna | $2,398 | -- |
| 4 | Kia Carnival | $2,422 | $24 |
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 vehicle from the 2024 model year. Updated June 27, 2025
Does a used Sienna cost less to insure?
Opting for an older model of Toyota Sienna may reduce your insurance bill by $928 or more each year. Current models cost more to replace, and earlier model years are worth less due to depreciation.
The following table illustrates average insurance rates for a Toyota Sienna from 2013 to 2024. Prices range from the cheapest cost of $1,470 for a 2013 Toyota Sienna to the highest rate of $2,096 for a 2019 Sienna.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Toyota Sienna | $2,404 | $200 |
| 2023 Toyota Sienna | $2,292 | $191 |
| 2022 Toyota Sienna | $2,148 | $179 |
| 2021 Toyota Sienna | $2,108 | $176 |
| 2020 Toyota Sienna | $2,162 | $180 |
| 2019 Toyota Sienna | $2,118 | $177 |
| 2018 Toyota Sienna | $2,002 | $167 |
| 2017 Toyota Sienna | $1,814 | $151 |
| 2016 Toyota Sienna | $1,676 | $140 |
| 2015 Toyota Sienna | $1,560 | $130 |
| 2014 Toyota Sienna | $1,524 | $127 |
| 2013 Toyota Sienna | $1,618 | $135 |
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 Toyota Sienna trim levels for each model year. Updated June 26, 2025
Eventually, as a vehicle gets some miles on it, you will have to make the decision to eliminate comprehensive and collision coverage from the insurance policy. As vehicles age and depreciate, the costs required to maintain physical damage protection surpasses the benefit of having it. Dropping physical damage coverage on an older Toyota Sienna could save the average driver $906 per year, depending on the deductible level and the age of the rated driver.
Average insurance cost by U.S. city
Depending on the city you live in, the cost to insure a Toyota Sienna spans a wide range, from lower rates like $2,072 a year in Columbus, OH, or $1,946 in Virginia Beach, VA, to more expensive rates such as $3,696 a year in New Orleans, LA, and $3,532 in Las Vegas, NV.
The insurance cost for a Toyota Sienna in some other cities include San Diego, CA, costing $2,672 per year, Portland, OR, at $2,684, Colorado Springs, CO, at an estimated $2,804, and Albuquerque, NM, at $2,456.
The next chart illustrates typical insurance policy premiums for a Toyota Sienna in the larger urban areas in America.
A few additional important data observations about Toyota Sienna insurance cost include:
- Don’t be a careless driver. Having a few at-fault accidents can really raise rates, possibly by an extra $3,448 per year for a 20-year-old driver and even $1,004 per year for a 40-year-old driver.
- More mature drivers get better rates than young drivers. The difference in Toyota Sienna car insurance cost between a 60-year-old driver ($1,988 per year) and a 20-year-old driver ($4,838 per year) is $2,850, or a savings of 83.5%.
- Gender affects car insurance rates. For a 2024 Toyota Sienna, a 20-year-old male driver pays an average rate of $4,838 per year, while a 20-year-old woman pays an average of $3,468, a difference of $1,370 per year in favor of the women by a long shot. But by age 50, the rate for men is $2,124 and the rate for females is $2,070, a difference of only $54.
- Raising physical damage deductibles lowers policy cost. Increasing your deductibles from $500 to $1,000 could save around $378 per year for a 40-year-old driver and $740 per year for a 20-year-old driver.
- Low deductibles make insurance more expensive. Cutting your deductibles from $500 to $250 could cost an additional $396 per year for a 40-year-old driver and $788 per year for a 20-year-old driver.
- Find cheaper Sienna insurance rates by qualifying for discounts. Discounts may be available if the insureds are away-from-home students, sign their policy early, drive a vehicle with safety or anti-theft features, belong to certain professional organizations, are good students, or other discounts which could save the average driver as much as $408 per year on the cost of insuring a Sienna.
- It’s expensive to buy high-risk insurance. For a 30-year-old driver, having to buy a high-risk insurance policy could trigger a rate increase of $2,976 or more per year.