Toyota Sienna Car Insurance Rates for 2022

How much does Toyota Sienna insurance cost? We break down insurance rates from the base LE model up to the Limited and Platinum trims to see how prices rank compared to other minivan models.

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How much does Toyota Sienna insurance cost?

An average driver will pay around $1,598 per year for full-coverage insurance on a Toyota Sienna. Insurance cost per month ranges from $125 to $141 depending on the trim level being insured.

Comprehensive coverage costs an average of $376 a year, liability and medical coverage costs approximately $510, and the remaining collision insurance costs about $712.

The following chart shows average car insurance rates for a 2022 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 2022 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 September 13, 2022
Toyota Sienna Insurance Cost Summary
Toyota Sienna Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,638$303
Safe Driver Age 20$3,186$266
At-fault Accidents Age 40$2,260$188
Low Deductibles Age 40$2,078$173
Safe Driver Age 30$1,684$140
Safe Driver Age 40$1,598$133
Safe Driver Age 50$1,456$121
Safe Driver Age 60$1,430$119
High Deductibles Age 40$1,352$113
Discount Rate Age 40$1,324$110

Which Toyota Sienna is cheapest to insure?

The cheapest trim level of Toyota Sienna to insure is the LE 2WD at around $1,498 per year, or about $125 per month. The next cheapest model is the LE AWD at $1,548 per year, and the third cheapest trim level to insure is the XLE 2WD at $1,562 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 $1,634,  $1,640, and $1,688 per year, respectively.

The next table details average auto insurance rates for a 2022 Sienna, in addition to a monthly budget figure, for each available trim level.

2022 Toyota Sienna Insurance Cost by Trim Level
Toyota Sienna Trim Level Annual Policy 6-month Policy Per Month
LE 2WD$1,498$749$125
LE AWD$1,548$774$129
XLE 2WD$1,562$781$130
XLE AWD$1,568$784$131
XSE 2WD$1,594$797$133
XSE AWD$1,602$801$134
Woodland Edition AWD$1,610$805$134
Limited 2WD$1,628$814$136
Limited AWD$1,634$817$136
Platinum 2WD$1,640$820$137
Platinum AWD$1,688$844$141

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 September 13, 2022
Toyota Sienna Insurance Cost by Trim Level

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

The Toyota Sienna ranks #4 out of four total vehicles in the midsize minivan segment for overall insurance cost. It costs an average of $1,598 per year for insurance on a 2022 Sienna, while the class average cost is $1,536 annually, a difference of $62 per year.

When compared to other minivan models, car insurance for a Toyota Sienna costs $176 more per year than the Honda Odyssey, $68 more than the Chrysler Pacifica, and $6 more than the Kia Carnival.

The table below ranks all 2022 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$1,422-$176
2Chrysler Pacifica$1,530-$68
3Kia Carnival$1,592-$6
4Toyota Sienna$1,598--

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 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, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
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 $472 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 2022. Prices range from the cheapest cost of $1,126 for a 2013 Toyota Sienna to the highest rate of $1,528 for a 2019 Sienna.

Toyota Sienna Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Toyota Sienna$1,598$799$133
2021 Toyota Sienna$1,494$747$125
2020 Toyota Sienna$1,466$733$122
2019 Toyota Sienna$1,528$764$127
2018 Toyota Sienna$1,506$753$126
2017 Toyota Sienna$1,450$725$121
2016 Toyota Sienna$1,312$656$109
2015 Toyota Sienna$1,244$622$104
2014 Toyota Sienna$1,160$580$97
2013 Toyota Sienna$1,126$563$94

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 September 13, 2022
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 $672 per year, depending on the deductible level and the age of the rated driver.

Can where I live make Sienna insurance cheaper?

Depending on the city you live in, the cost to insure a Toyota Sienna spans a wide range, from lower rates like $1,202 a year in Columbus, OH, or $1,072 in Virginia Beach, VA, to more expensive rates such as $3,738 a year in New Orleans, LA, and $2,656 in Las Vegas, NV.

The insurance cost for a Toyota Sienna in some other cities include San Diego, CA, costing $1,794 per year, Portland, OR, at $1,810, Colorado Springs, CO, at an estimated $1,926, and Albuquerque, NM, at $1,582.

The next chart illustrates typical insurance policy premiums for a Toyota Sienna in the larger urban areas in America. For this comparison, rates range from $1,202 per year in Columbus, OH, to $3,016 in New York City, NY, a difference of $1,814.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 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 September 13, 2022
Toyota Sienna Insurance Rates in Large U.S. Cities
Toyota Sienna Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,016$251
Philadelphia, PA$2,662$222
Los Angeles, CA$2,648$221
San Francisco, CA$2,276$190
Jacksonville, FL$2,264$189
San Jose, CA$1,886$157
Phoenix, AZ$1,834$153
San Diego, CA$1,794$150
Chicago, IL$1,738$145
Dallas, TX$1,706$142
Houston, TX$1,696$141
Indianapolis, IN$1,608$134
San Antonio, TX$1,528$127
Austin, TX$1,456$121
Columbus, OH$1,202$100

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 $2,248 per year for a 20-year-old driver and even $662 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 ($1,430 per year) and a 20-year-old driver ($3,186 per year) is $1,756, or a savings of 55.1%.
  • Gender affects car insurance rates. For a 2022 Toyota Sienna, a 20-year-old male driver pays an average rate of $3,186 per year, while a 20-year-old woman pays an average of $2,358, a difference of $828 per year in favor of the women by a long shot. But by age 50, the rate for men is $1,456 and the rate for females is $1,426, a difference of only $30.
  • Raising physical damage deductibles lowers cost. Increasing your deductibles from $500 to $1,000 could save around $246 per year for a 40-year-old driver and $482 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 $256 per year for a 40-year-old driver and $508 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 many other discounts which could save the average driver as much as $274 per yearon 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 $1,954 or more per year.