Toyota Sienna Car Insurance Rates for 2023

Is a Toyota Sienna expensive to insure?

From the LE 2WD trim level up to the Platinum AWD trim level, we evaluated insurance quotes on the Sienna to discover how average policy premium ranks against similar vehicles.

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How much does Toyota Sienna insurance cost?

An average driver will pay around $1,812 per year for full coverage insurance on a Toyota Sienna. Insurance cost per month ranges from $139 to $158 depending on the trim level being insured.

Comprehensive coverage costs an average of $426 a year, liability and medical coverage costs approximately $568, and the remaining collision insurance costs about $818.

The following chart shows average car insurance rates for a 2023 Toyota Sienna using a range of driver ages, deductible levels, and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Toyota Sienna with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Toyota Sienna trim levels.Data last updated on May 5, 2023
Toyota Sienna Insurance Cost Summary
2023 Toyota Sienna Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,126$344
Safe Driver Age 20$3,612$301
At-fault Accidents Age 40$2,558$213
Low Deductibles Age 40$2,360$197
Safe Driver Age 30$1,908$159
Safe Driver Age 40$1,812$151
Safe Driver Age 50$1,650$138
Safe Driver Age 60$1,620$135
High Deductibles Age 40$1,530$128
Discount Rate Age 40$1,504$125

Which Toyota Sienna is the cheapest to insure?

The cheapest trim level of Toyota Sienna to insure is the LE 2WD at around $1,668 per year, or about $139 per month. The next cheapest model is the LE AWD at $1,704 per year, and the third cheapest trim level to insure is the XLE 2WD at $1,760 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 $1,874,  $1,888, and $1,894 per year, respectively.

The next table details average auto insurance rates for a 2023 Sienna, in addition to a monthly budget figure, for each available trim level.

2023 Toyota Sienna Insurance Cost by Trim Level
Toyota Sienna Trim Level Annual Policy Six-Month Policy Per Month
LE 2WD$1,668$834$139
LE AWD$1,704$852$142
XLE 2WD$1,760$880$147
XLE AWD$1,792$896$149
XSE 2WD$1,796$898$150
XSE AWD$1,806$903$151
25th Anniversary Edition 2WD$1,842$921$154
25th Anniversary Edition AWD$1,854$927$155
Limited 2WD$1,854$927$155
Limited AWD$1,874$937$156
Platinum 2WD$1,888$944$157
Platinum AWD$1,894$947$158

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Toyota Sienna, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Toyota Sienna Insurance Cost by Trim Level

The Sienna vs. other minivans: How does it rank?

The Toyota Sienna ranks fourth out of four total vehicles in the midsize minivan segment for overall insurance cost. It costs an average of $1,812 per year for insurance on a 2023 Sienna, while the class average cost is $1,730 annually, a difference of $82 per year.

When compared to other minivan models, car insurance for a Toyota Sienna costs $200 more per year than the Honda Odyssey, $86 more than the Chrysler Pacifica, and $44 more than the Kia Carnival.

The table below ranks all 2023 model year minivans by insurance affordability with the difference in price compared to the Toyota Sienna.

Toyota Sienna Insurance Cost Compared to Other Minivans
Rank Make/Model Insurance Cost Difference
1Honda Odyssey$1,612-$200
2Chrysler Pacifica$1,726-$86
3Kia Carnival$1,768-$44
4Toyota Sienna$1,812--

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on May 5, 2023
Toyota Sienna Insurance Cost Compared to Other Minivans

Does a used Sienna cost less to insure?

Opting for an older model of Toyota Sienna may reduce your insurance bill by $606 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 2023. Prices range from the cheapest cost of $1,206 for a 2013 Toyota Sienna to the highest rate of $1,658 for a 2019 Sienna.

Toyota Sienna Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Toyota Sienna$1,812$906$151
2022 Toyota Sienna$1,734$867$145
2021 Toyota Sienna$1,628$814$136
2020 Toyota Sienna$1,604$802$134
2019 Toyota Sienna$1,658$829$138
2018 Toyota Sienna$1,634$817$136
2017 Toyota Sienna$1,552$776$129
2016 Toyota Sienna$1,410$705$118
2015 Toyota Sienna$1,312$656$109
2014 Toyota Sienna$1,234$617$103
2013 Toyota Sienna$1,206$603$101

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Toyota Sienna Insurance Cost by Model Year

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 $706 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 $1,344 a year in Columbus, OH, or $1,212 in Virginia Beach, VA, to more expensive rates such as $3,140 a year in New Orleans, LA, and $2,826 in Las Vegas, NV.

The insurance cost for a Toyota Sienna in some other cities include San Diego, CA, costing $1,948 per year, Portland, OR, at $1,962, Colorado Springs, CO, at an estimated $2,080, and Albuquerque, NM, at $1,732.

The next chart illustrates typical insurance policy premiums for a Toyota Sienna in the larger urban areas in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Toyota Sienna, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Toyota Sienna trim levels.Data last updated on May 5, 2023
Toyota Sienna Insurance Rates in Large U.S. Cities
Toyota Sienna Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,190$266
Philadelphia, PA$2,830$236
Las Vegas, NV$2,826$236
Los Angeles, CA$2,818$235
San Francisco, CA$2,438$203
Kansas City, MO$2,172$181
Oklahoma City, OK$2,172$181
Denver, CO$2,128$177
Memphis, TN$2,128$177
Atlanta, GA$2,100$175
San Jose, CA$2,042$170
Phoenix, AZ$1,990$166
Portland, OR$1,962$164
San Diego, CA$1,948$162
Boston, MA$1,944$162
Jacksonville, FL$1,940$162
Chicago, IL$1,890$158
Dallas, TX$1,856$155
Houston, TX$1,848$154
Seattle, WA$1,844$154
Nashville, TN$1,772$148
Milwaukee, WI$1,764$147
Albuquerque, NM$1,732$144
San Antonio, TX$1,676$140
Omaha, NE$1,628$136
Fort Worth, TX$1,620$135
Austin, TX$1,600$133
Indianapolis, IN$1,458$122
Columbus, OH$1,344$112
Charlotte, NC$1,282$107

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 $2,550 per year for a 20-year-old driver and even $746 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 ($1,620 per year) and a 20-year-old driver ($3,612 per year) is $1,992, or a savings of 76.1%.
  • Gender affects car insurance rates. For a 2023 Toyota Sienna, a 20-year-old male driver pays an average rate of $3,612 per year, while a 20-year-old woman pays an average of $2,672, a difference of $940 per year in favor of the women by a long shot. But by age 50, the rate for men is $1,650 and the rate for females is $1,616, a difference of only $34.
  • Raising physical damage deductibles lowers policy cost. Increasing your deductibles from $500 to $1,000 could save around $282 per year for a 40-year-old driver and $552 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 $292 per year for a 40-year-old driver and $584 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 $308 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 $2,218 or more per year.