- Toyota Sienna car insurance costs an average of $1,860 per year, or about $155 per month for a policy with full coverage.
- The Sienna LE 2WD trim level is the cheapest to insure at around $1,714 per year. The most expensive trim is the Platinum AWD at $1,946 per year.
- Out of four vehicles in the 2023 minivan segment, the Sienna ranks fourth for insurance affordability.
- Insurance rates in a few larger cities include $2,140 in Atlanta, GA, $3,172 in New Orleans, LA, and $2,478 in San Francisco, CA.
How much does Toyota Sienna insurance cost?
An average driver will pay around $1,860 per year for full coverage insurance on a Toyota Sienna. Insurance cost per month ranges from $143 to $162 depending on the trim level being insured.
Comprehensive coverage costs an average of $436 a year, liability and medical coverage costs approximately $584, and the remaining collision insurance costs about $840.
The following chart shows average car insurance rates for a 2023 Toyota Sienna using a range of driver ages, deductible levels, and risk profiles.
|Driver Risk Profile||Annual Rate||Monthly Rate|
|High Risk Driver Age 30||$4,234||$353|
|Safe Driver Age 20||$3,710||$309|
|At-fault Accidents Age 40||$2,628||$219|
|Low Deductibles Age 40||$2,424||$202|
|Safe Driver Age 30||$1,956||$163|
|Safe Driver Age 40||$1,860||$155|
|Safe Driver Age 50||$1,696||$141|
|Safe Driver Age 60||$1,662||$139|
|High Deductibles Age 40||$1,570||$131|
|Discount Rate Age 40||$1,542||$129|
Which Toyota Sienna is the cheapest to insure?
The cheapest trim level of Toyota Sienna to insure is the LE 2WD at around $1,714 per year, or about $143 per month. The next cheapest model is the LE AWD at $1,750 per year, and the third cheapest trim level to insure is the XLE 2WD at $1,808 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 $1,924, $1,940, and $1,946 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.
|Toyota Sienna Trim Level||Annual Policy||Six-Month Policy||Per Month|
|25th Anniversary Edition 2WD||$1,892||$946||$158|
|25th Anniversary Edition AWD||$1,902||$951||$159|
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 $1,860 per year for insurance on a 2023 Sienna, while the class average cost is $1,776 annually, a difference of $84 per year.
When compared to other minivan models, car insurance for a Toyota Sienna costs $206 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.
Does a used Sienna cost less to insure?
Opting for an older model of Toyota Sienna may reduce your insurance bill by $622 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 $1,238 for a 2013 Toyota Sienna to the highest rate of $1,702 for a 2019 Sienna.
|Model Year and Vehicle||Annual Rate||6-month Rate||Monthly Rate|
|2023 Toyota Sienna||$1,860||$930||$155|
|2022 Toyota Sienna||$1,784||$892||$149|
|2021 Toyota Sienna||$1,670||$835||$139|
|2020 Toyota Sienna||$1,644||$822||$137|
|2019 Toyota Sienna||$1,702||$851||$142|
|2018 Toyota Sienna||$1,676||$838||$140|
|2017 Toyota Sienna||$1,596||$798||$133|
|2016 Toyota Sienna||$1,446||$723||$121|
|2015 Toyota Sienna||$1,346||$673||$112|
|2014 Toyota Sienna||$1,266||$633||$106|
|2013 Toyota Sienna||$1,238||$619||$103|
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 $726 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 $1,382 a year in Columbus, OH, or $1,254 in Virginia Beach, VA, to more expensive rates such as $3,172 a year in New Orleans, LA, and $2,862 in Las Vegas, NV.
The insurance cost for a Toyota Sienna in some other cities include San Diego, CA, costing $1,992 per year, Portland, OR, at $2,002, Colorado Springs, CO, at an estimated $2,122, and Albuquerque, NM, at $1,772.
The next chart illustrates typical insurance policy premiums for a Toyota Sienna in the larger urban areas in America.
|City/State||Annual Rate||Monthly Rate|
|New York, NY||$3,230||$269|
|Las Vegas, NV||$2,862||$239|
|Los Angeles, CA||$2,856||$238|
|San Francisco, CA||$2,478||$207|
|Kansas City, MO||$2,208||$184|
|Oklahoma City, OK||$2,208||$184|
|San Jose, CA||$2,080||$173|
|San Diego, CA||$1,992||$166|
|San Antonio, TX||$1,716||$143|
|Fort Worth, TX||$1,662||$139|
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 $2,616 per year for a 20-year-old driver and even $768 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 ($1,662 per year) and a 20-year-old driver ($3,710 per year) is $2,048, or a savings of 76.2%.
- Gender affects car insurance rates. For a 2023 Toyota Sienna, a 20-year-old male driver pays an average rate of $3,710 per year, while a 20-year-old woman pays an average of $2,744, a difference of $966 per year in favor of the women by a long shot. But by age 50, the rate for men is $1,696 and the rate for females is $1,660, a difference of only $36.
- Raising physical damage deductibles lowers policy cost. Increasing your deductibles from $500 to $1,000 could save around $290 per year for a 40-year-old driver and $568 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 $300 per year for a 40-year-old driver and $598 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 $318 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 $2,278 or more per year.