Toyota Sienna Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Dec 2, 2021

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The last thing that anyone wants to do after completing the process of buying a car is to worry about finding a cheap car insurance policy. We are well aware of the frustration this may cause, which is why we are going to make it as simple as possible to find Toyota Sienna insurance rates.

So where can you find the cheapest Toyota Sienna car insurance rates? By educating yourself and comparing Toyota Sienna car insurance quotes from multiple insurers, you can find affordable Toyota Sienna car insurance.

Our comprehensive guide is designed to walk you through the size and class of this minivan, how liability rates are calculated, its safety features, overall value, and annual repair estimates. By reading through this article, you will be ready to find the right insurance policy for a great price.

Don’t buy Toyota Sienna car insurance without shopping around. Feel free to get started by reviewing the information below. But don’t forget to input your five-digit ZIP code into our FREE online quote tool above to compare the best Toyota Sienna insurance rates. 

Average insurance prices for a Toyota Sienna are $1,328 every 12 months including full coverage. Comprehensive costs approximately $260 a year, collision insurance costs $494, and liability insurance is estimated at $416. Buying just liability costs approximately $474 a year, and insurance for high-risk drivers costs around $2,884. Teen drivers receive the highest rates at up to $5,044 a year.

Average premium for full coverage: $1,328

Rate estimates by individual coverage type:

Comprehensive $260
Collision $494
Liability $416

Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sienna trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from the cheapest price of $474 for just the minimum liability insurance to a high of $2,884 for a driver who has had serious violations or accidents.

Liability Only $474
Full Coverage $1,328
High Risk $2,884

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $996
Small Cities $1,394
Large Cities $1,793

These examples highlight why it is important to get quotes using their specific location and their own driving history, rather than relying on price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below breaks down average Toyota Sienna insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $765
  • Choosing higher $1,000 deductibles can save $1,158 every year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,328
  • Choosing low $100 deductibles for comp and collision coverage increases the price to $1,662
  • High-risk insureds with multiple violations and an at-fault accident could pay around $2,884
  • The cost to insure a teen driver can cost $5,044 each year

View Chart as Image

Toyota Sienna insurance cost comparison chart
Column chart showing Toyota Sienna insurance rates range from $765 to $5,044 for full coverage

Auto insurance rates for a Toyota Sienna can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Sienna.

Choosing high deductibles can save as much as $510 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Toyota Sienna insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,900 on average in Louisiana, New York, and Michigan.

Toyota Sienna Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,200 -$128 -9.6%
Alaska $1,022 -$306 -23.0%
Arizona $1,104 -$224 -16.9%
Arkansas $1,328 -$0 0.0%
California $1,514 $186 14.0%
Colorado $1,270 -$58 -4.4%
Connecticut $1,368 $40 3.0%
Delaware $1,504 $176 13.3%
Florida $1,662 $334 25.2%
Georgia $1,226 -$102 -7.7%
Hawaii $954 -$374 -28.2%
Idaho $900 -$428 -32.2%
Illinois $990 -$338 -25.5%
Indiana $1,000 -$328 -24.7%
Iowa $898 -$430 -32.4%
Kansas $1,264 -$64 -4.8%
Kentucky $1,812 $484 36.4%
Louisiana $1,966 $638 48.0%
Maine $820 -$508 -38.3%
Maryland $1,096 -$232 -17.5%
Massachusetts $1,064 -$264 -19.9%
Michigan $2,308 $980 73.8%
Minnesota $1,112 -$216 -16.3%
Mississippi $1,592 $264 19.9%
Missouri $1,180 -$148 -11.1%
Montana $1,430 $102 7.7%
Nebraska $1,048 -$280 -21.1%
Nevada $1,594 $266 20.0%
New Hampshire $958 -$370 -27.9%
New Jersey $1,484 $156 11.7%
New Mexico $1,176 -$152 -11.4%
New York $1,400 $72 5.4%
North Carolina $766 -$562 -42.3%
North Dakota $1,086 -$242 -18.2%
Ohio $920 -$408 -30.7%
Oklahoma $1,364 $36 2.7%
Oregon $1,218 -$110 -8.3%
Pennsylvania $1,268 -$60 -4.5%
Rhode Island $1,772 $444 33.4%
South Carolina $1,204 -$124 -9.3%
South Dakota $1,124 -$204 -15.4%
Tennessee $1,164 -$164 -12.3%
Texas $1,604 $276 20.8%
Utah $984 -$344 -25.9%
Vermont $910 -$418 -31.5%
Virginia $796 -$532 -40.1%
Washington $1,028 -$300 -22.6%
West Virginia $1,218 -$110 -8.3%
Wisconsin $920 -$408 -30.7%
Wyoming $1,184 -$144 -10.8%

View Chart as Image

Toyota Sienna insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Toyota Sienna Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Sienna CE $1,246 $104
Toyota Sienna LE $1,288 $107
Toyota Sienna LE AWD $1,328 $111
Toyota Sienna XLE $1,328 $111
Toyota Sienna XLE AWD $1,370 $114
Toyota Sienna Limited $1,410 $118
Toyota Sienna Limited AWD $1,452 $121

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Toyota Sienna Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Sienna $260 $494 $416 $1,328
2014 Toyota Sienna $196 $330 $460 $1,144
2013 Toyota Sienna $190 $310 $464 $1,122
2012 Toyota Sienna $184 $288 $474 $1,104
2011 Toyota Sienna $172 $268 $474 $1,072
2010 Toyota Sienna $166 $244 $478 $1,046
2008 Toyota Sienna $146 $202 $474 $980
2007 Toyota Sienna $142 $182 $468 $950
2006 Toyota Sienna $140 $178 $460 $936
2005 Toyota Sienna $136 $168 $452 $914
2004 Toyota Sienna $126 $160 $446 $890

Rates are averaged for all Toyota Sienna models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Right Toyota Sienna Insurance

Saving money on Toyota Sienna insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and possibly higher deductibles. Take the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

Below is a quick rundown of the ideas that were covered in the above illustrations.

  • Teenage drivers have the highest car insurance rates, as much as $420 per month if comprehensive and collision insurance is included
  • High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,560 more per year for auto insurance
  • Increasing deductibles could save as much as $500 each year
  • You may be able to save around $160 per year just by quoting early and online

You might have noticed that there is a multitude of factors that impact car insurance rates for a Toyota Sienna. Your age, home address, driving history, model year, and level of coverage all play a role in what you will ultimately pay to be insured on this highly rated minivan.

When calculating Toyota Sienna car insurance, company insurance agents will take all of these factors into consideration.

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How does the size and class of the Toyota Sienna affect liability rates?

There are different levels of car insurance available to every driver, the most basic of which is called liability coverage. Everybody is required to carry some level of liability insurance in order to pay for any damages they might cause.

In order to accurately provide you with a quote, the first thing insurance companies will look at is the size and class of the model you drive as determined by an official third-party entity. The Insurance Institute for Highway Safety (IIHS) classifies the Toyota Sienna as a minivan, so the cost of insurance on this model will be affected by data that is collected for all minivans.

Check out the Toyota Sienna insurance loss probability details in the table below.

Toyota Sienna Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Property Damage-12%
Personal Injury-6%
Medical Payment-2%
Bodily Injury-15%

The lower the percentage, the better the loss ratio. In every category, the Toyota Sienna is average or better than average. That’s great news for your car insurance rates.

Ready for even more good news? Minivans are larger and heavier than most cars on the road, meaning that this class of vehicles is deemed to be safer than average. This often leads to lower insurance rates because fewer claims are made on models like the Toyota Sienna, so insurance providers don’t have to pay out as much money on claims.

What does liability insurance cost for a Toyota Sienna?

Now that we’ve gone over how liability rates are impacted by the size and class of the Toyota Sienna, let’s implore the difference between the two types of liability coverage you are required to carry.

Bodily injury liability insurance will pay for medical expenses and lost wages for the other driver after an accident that you are responsible for causing. 

The following general quotes will show a breakdown of how much bodily injury liability costs for the Toyota Sienna based on the level of coverage.

  • Low ($25,000): $83.84
  • Medium ($50,000): $102.76
  • High ($100,000): $113.70

The other form of coverage you need is called property damage liability insurance. As the name indicates, this will cover any damages you inflicted on the other driver’s property, including that person’s vehicle.

The following three figures are general quotes you can expect to pay for property damage liability insurance as an itemized cost for six months of coverage.

  • Low ($25,000): $94.67
  • Medium ($50,000): $94.78
  • High ($100,000): $98.60

After reviewing these ballpark figures, you can see that bodily injury quotes vary based on coverage level while property damage rates don’t fluctuate as much.

What are the safety features and ratings of the Toyota Sienna?

Minivans like the Toyota Sienna are built for families, and safety is of the utmost importance when designing these models. Take a look at the following list of safety features on the Toyota Sienna sourced from

  • Anti-Lock Brakes – Also known as ABS, these brakes have sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.
  • Stability Control This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
  • Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
  • Side-Impact Airbags – Located in the front part of the vehicle, these airbags protect the torso of the driver and front-seat passenger when deployed.
  • Overhead Airbags – These airbags protect the occupant’s heads in the event of a rollover.
  • Knee Airbags – When deployed, these airbags protect the lower extremities of the driver and passengers inside the Toyota Sienna.
  • Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.

    Due to the high number of helpful features included on the model, the National Highway Traffic Safety Administration (NHTSA) gives the 2020 Toyota Sienna five out of five stars for its overall safety rating.

    See more details about the Toyota Sienna crash test ratings in the table below.

    Toyota Sienna Crash Test Ratings
    Vehicle TestedOverallFrontalSideRollover
    2019 Toyota Sienna VAN FWD5 stars4 stars5 stars4 stars
    2019 Toyota Sienna VAN AWD5 stars4 stars5 stars4 stars
    2018 Toyota Sienna VAN FWD5 stars4 stars5 stars4 stars
    2018 Toyota Sienna VAN AWD5 stars4 stars5 stars4 stars
    2017 Toyota Sienna VAN FWD5 stars4 stars5 stars4 stars
    2017 Toyota Sienna VAN AWD5 stars4 stars5 stars4 stars
    2016 Toyota Sienna VAN FWD5 stars4 stars5 stars4 stars
    2016 Toyota Sienna VAN AWD5 stars4 stars5 stars4 stars

    While it’s great news to learn that the Sienna has the highest safety rating possible, fatalities still occur, and insurance providers review these figures when calculating rates for their policyholders.

    How does that impact insurance rates for Toyota Sienna drivers?

    The IIHS reports that out of 1,787,340 registered vehicles similar to the Sienna, a total of 47 deaths have resulted after car crashes. Broken down, that is a fatality rate of 26 per one million registered people. 

    The average for all vehicle types is 36 per million, so models like the Toyota Sienna are seen as safer than your average commercial vehicle.

    Beyond vehicle type, fatality statistics vary based on the point of impact from which the crash occurred. Take a look at the following figures to see how some types of crashes are more fatal than others.

    • Frontal Impact: 7,433 deaths  
    • Side Impact: 3,568 deaths 
    • Rear Impact: 834 deaths
    • Other (mostly rollovers): 1,303 deaths

    As you can see, frontal impact crashes are the most fatal type of accident occurring on the road today. That is why front airbags are standard across all vehicles, and automakers like Toyota are constantly making improvements to safety technology.

    What is the MSRP of the Toyota Sienna?

    Knowing the current value of your Toyota Sienna will also help you get an idea of how much insurance is going to cost. A general rule of thumb to go by is that the price of your car is parallel to your policy. In short, the more expensive the car, the higher the insurance rate.

    Kelley Blue Book (KBB) reports that the Manufacturer’s Suggested Retail Price (MSRP) for a base-level 2020 Toyota Sienna L is $32,760 with a fair market value range between $28,738 and $31,309.

    The best way to protect an investment like a new car is to purchase car insurance that extends beyond liability coverage. This is the best way to make sure that your car is covered for any damages.

    So what are the types of coverages that will cover you in the event of an accident?

    • Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
    • Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a moving object damaging your vehicle while it is parked on the street.

    It’s important to remember that you only need to pay for liability coverage to legally drive. However, you should really spend some time figuring out if you want full coverage or simply liability when shopping for insurance.

    How much will it cost to repair my Toyota Sienna?

    One of the less glamorous parts of car ownership is paying for maintenance. No model type is immune to the fact that vehicles depreciate over time, but some cars cost less to repair.

    In the case of the Toyota Sienna, RepairPal suggests that the annual cost of repairs equates to an average of $554. Some years might be cheaper where you only need to pay for oil changes while other years might require more significant work.

    It’s helpful to know how much each part of the minivan costs to replace or fix in the event that your Sienna needs a specific job done. Take a look at these quotes from Instant Estimator to see what repair jobs look like based on which part needs attention.

    • Front Bumper: $412.60
    • Rear Bumper: $397.80
    • Hood: $352.20
    • Roof: $488.60
    • Front Door: $389.20
    • Back Door: $377.80
    • Fender: $352.20
    • Quarter Panel: $364.60

    We have gone into excessive detail about Toyota Sienna insurance rates but we would be doing you a disservice if we didn’t as, if there is there anything we might have missed?

    If not, punch your five-digit ZIP code into our FREE online quote tool to get access to instant quotes for your Toyota Sienna.

    Rates by Driver Age

    Toyota Sienna Insurance Rates by Driver Age
    Driver Age Premium
    16 $5,044
    20 $3,082
    30 $1,382
    40 $1,328
    50 $1,214
    60 $1,192

    Full coverage, $500 deductibles

    Rates by Deductible

    Toyota Sienna Insurance Rates with Different Deductibles
    Deductible Premium
    $100 $1,662
    $250 $1,508
    $500 $1,328
    $1,000 $1,158

    Full coverage, driver age 40

    Rates by Liability Limit

    Toyota Sienna Insurance Rates with Different Liability Limits
    Liability Limit Premium
    30/60 $1,328
    50/100 $1,535
    100/300 $1,639
    250/500 $1,910
    100 CSL $1,577
    300 CSL $1,806
    500 CSL $1,972

    Full coverage, driver age 40

    Rates for High Risk Drivers

    Toyota Sienna Insurance Rates for High Risk Drivers
    Age Premium
    16 $7,184
    20 $4,910
    30 $2,944
    40 $2,884
    50 $2,754
    60 $2,730

    Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

    If a financial responsibility filing is required, the additional charge below may also apply.

    SR-22 Surcharge $186

    Potential Rate Discounts

    If you qualify for discounts, you may save the amounts shown below.

    Discount Savings
    Multi-policy $70
    Multi-vehicle $70
    Homeowner $20
    5-yr Accident Free $97
    5-yr Claim Free $86
    Paid in Full/EFT $60
    Advance Quote $66
    Online Quote $94
    Total Discounts $563
    Rate after discounts $765

    Discounts are estimated and may not be available from every company or in every state.

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