Toyota Sienna Car Insurance Rates for 2022

• Toyota Sienna car insurance costs an average of $1,598 per year, or about $133 per month for a policy with full coverage.
• The Sienna LE 2WD trim level is the cheapest to insure at around $1,498 per year. The most expensive trim is the Platinum AWD at $1,688 per year.
• Out of four vehicles in the 2022 minivan segment, the Sienna ranks #4 for insurance affordability.
• Insurance rates in a few larger cities include $1,944 in Atlanta, GA, $3,738 in New Orleans, LA, and $2,276 in San Francisco, CA.

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.

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.

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.

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.

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.

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.