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 $1,586 per year for full-coverage insurance on a Toyota Sienna. Insurance cost per month ranges from $124 to $140 depending on the trim level being insured.

Comprehensive coverage costs an average of $372 a year, liability and medical coverage costs approximately $508, and the remaining collision insurance costs about $706.

The following chart shows average car insurance rates for a 2022 Toyota Sienna using a range of driver ages, deductible levels, and risk profiles.

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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 April 20, 2022
Toyota Sienna Insurance Cost Summary
Toyota Sienna Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,608$301
Safe Driver Age 20$3,160$263
At-fault Accidents Age 40$2,242$187
Low Deductibles Age 40$2,064$172
Safe Driver Age 30$1,672$139
Safe Driver Age 40$1,586$132
Safe Driver Age 50$1,446$121
Safe Driver Age 60$1,416$118
High Deductibles Age 40$1,342$112
Discount Rate Age 40$1,316$110

Which Toyota Sienna is cheapest to insure?

The cheapest trim level of Toyota Sienna to insure is the LE 2WD at around $1,490 per year, or about $124 per month. The next cheapest model is the LE AWD at $1,536 per year, and the third cheapest trim level to insure is the XLE 2WD at $1,550 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 $1,622,  $1,628, and $1,676 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$1,490$745$124
LE AWD$1,536$768$128
XLE 2WD$1,550$775$129
XLE AWD$1,556$778$130
XSE 2WD$1,582$791$132
XSE AWD$1,592$796$133
Woodland Edition AWD$1,600$800$133
Limited 2WD$1,616$808$135
Limited AWD$1,622$811$135
Platinum 2WD$1,628$814$136
Platinum AWD$1,676$838$140

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 March 24, 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 $1,586 per year for insurance on a 2022 Sienna, while the class average cost is $1,525 annually, a difference of $61 per year.

When compared to other minivan models, car insurance for a Toyota Sienna costs $174 more per year than the Honda Odyssey, $68 more than the Chrysler Pacifica, and $2 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$1,412-$174
2Chrysler Pacifica$1,518-$68
3Kia Carnival$1,584-$2
4Toyota Sienna$1,586--

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 March 24, 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 $470 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 $1,116 for a 2013 Toyota Sienna to the highest rate of $1,518 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$1,586$793$132
2021 Toyota Sienna$1,480$740$123
2020 Toyota Sienna$1,452$726$121
2019 Toyota Sienna$1,518$759$127
2018 Toyota Sienna$1,498$749$125
2017 Toyota Sienna$1,440$720$120
2016 Toyota Sienna$1,300$650$108
2015 Toyota Sienna$1,234$617$103
2014 Toyota Sienna$1,150$575$96
2013 Toyota Sienna$1,116$558$93

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 March 24, 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 $666 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 March 24, 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 $2,232 per year for a 20-year-old driver and even $656 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 ($1,416 per year) and a 20-year-old driver ($3,160 per year) is $1,744, or a savings of 55.2%.
  • Gender affects car insurance rates. For a 2022 Toyota Sienna, a 20-year-old male driver pays an average rate of $3,160 per year, while a 20-year-old woman pays an average of $2,340, a difference of $820 per year in favor of the women by a long shot. But by age 50, the rate for men is $1,446 and the rate for females is $1,416, a difference of only $30.
  • Raising physical damage deductibles lowers cost. Increasing your deductibles from $500 to $1,000 could save around $244 per year for a 40-year-old driver and $478 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 $270 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 $1,936 or more per year.