Secured with SHA-256 Encryption
Select Page

How much is car insurance for a Toyota Sienna?

Car insurance for a Toyota Sienna costs $113/mo or $1,356 annually for full coverage. The Toyota Sienna insurance rates will vary by driver, the age of the vehicle, and your location. You can save as much as $559 a year by earning policy discounts. Keep reading to learn more.

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

Full Bio →

Written by

UPDATED: Aug 31, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Key takeaways:

  • Toyota Sienna insurance costs around $113 per month or $1,356 annually for full coverage.
  • A liability-only policy costs around $45 each month or $544 a year for Toyota Sienna insurance rates.
  • The highest rates are for teenage drivers at around  $413 each month or $4,956 a year.
  • Good drivers can save as much as $559 a year by earning policy discounts.
  • The average insurance cost for a Toyota Sienna is around $163 less per year than the average vehicle.

On average, car insurance for a Toyota Sienna costs $1,356 a year or $113 a month. Toyota Sienna insurance rates are about $163 less yearly than the average vehicle with full coverage. Good drivers can save up to $559 a year in policy discounts.

Whether you’re buying your car new versus used, read our comprehensive guide all about the Toyota Sienna’s insurance rates, safety ratings, and more to see how you can save on car insurance.

You can start comparing quotes for Toyota Sienna car insurance rates from some of the best car insurance companies by entering your ZIP code into our FREE online tool now.

Toyota Sienna Insurance Cost

The average Toyota Sienna car insurance costs are $1,356 a year or $113 a month. However, average insurance costs change depending on your age, driving record, and even where you live.

The following graph shows the average costs based on driver demographics.

As you can see, answering the question of how much should insurance cost for my car depends on you, the driver. Low-risk drivers with clean driving records will save more money on car insurance rates.

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

 Secured with SHA-256 Encryption

Are Toyota Siennas Expensive to Insure?

Are Toyotas more expensive to insure than other car brands? The chart below details how Toyota Sienna insurance rates compare to other vans like the Dodge Grand Caravan, Kia Sedona, and Honda Odyssey.

Minivan Average Annual Auto Insurance Rates by Make and Model
VehicleComprehensiveCollisionLiabilityTotal
Toyota Sienna$294$532$372$1,356
Dodge Grand Caravan$308$438$372$1,276
Kia Sedona$282$448$338$1,204
Honda Odyssey$280$532$372$1,342
Chrysler Pacifica$348$532$316$1,332
Get Your Rates Quote Now

The Toyota Sienna doesn’t have the cheapest insurance rates compared to these other brands. Fortunately, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota Sienna Insurance?

Many factors go into calculating car insurance rates. For example, the Toyota Sienna trim and model you choose can impact the total price you will pay for Toyota Sienna insurance coverage.

The age of the vehicle, the age of the driver, and even your location and driving history also impact your rates. Comparison shopping and proving you’re a low-risk driver are the best ways to secure affordable car insurance premiums. Keep reading to see what we mean.

Toyota Sienna Age of the Vehicle

Older Toyota Sienna models generally cost less to insure. For example, car insurance for a brand new Toyota Sienna 2020 model costs $1,356, while 2010 Toyota Sienna insurance costs are $1,122, a difference of $234.

Find rates for the year of your Toyota Sienna model in the table below.

Toyota Sienna Average Annual Auto Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal
2020 Toyota Sienna$294$532$372$1,356
2019 Toyota Sienna$280$512$390$1,340
2018 Toyota Sienna$270$506$398$1,332
2017 Toyota Sienna$260$494$416$1,328
2016 Toyota Sienna$250$474$430$1,312
2015 Toyota Sienna$238$458$442$1,296
2014 Toyota Sienna$228$424$452$1,262
2013 Toyota Sienna$218$400$456$1,232
2012 Toyota Sienna$210$358$460$1,186
2011 Toyota Sienna$196$330$460$1,144
2010 Toyota Sienna$190$310$464$1,122
Get Your Rates Quote Now

As mentioned before, rates for an older 2014 Toyota Sienna will always be lower than for a newer 2017 Toyota Sienna.

Driver Age and the Toyota Sienna

Driver age can have a significant effect on the cost of Toyota Sienna car insurance. For example, 30-year-old drivers pay approximately $60 more for their Toyota Sienna car insurance than 40-year-old drivers.

See what we mean in the following graph.

As you can see, securing cheap car insurance is about more than just what car you drive. It’s also about your demographics as the driver. The best auto insurance for teens will be different than what works for senior drivers. 

Driver Location and the Toyota Sienna

Where you live can have a large impact on your Toyota Sienna insurance rates. For example, drivers in New York may pay $827 a year more than drivers in Seattle.

See more details in the following graph.

Obviously, answering the question of how much is insurance on a minivan will change depending on where you live. High-density cities put you at a higher risk of getting into an accident, which leads to an increase in car insurance rates.

Your Driving Record and the Toyota Sienna

Your driving record can have an impact on the cost of Toyota Sienna car insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Sienna car insurance with violations on their driving record.

Check out the following graph to see what we mean.

Maintaining a perfect driving record will always lead to lower Toyota Sienna 2015 insurance rates, or any other model year. Safe driving saves lives and money.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Toyota Sienna Safety Ratings

Your Toyota Sienna car insurance rates are tied to the safety ratings of the Toyota Sienna. See the breakdown for the 2020 model from the Insurance Institute for Highway Safety below.

Toyota Sienna Safety Ratings
Test TypeRating
Small overlap front: driver-sideAcceptable
Small overlap front: passenger-sideMarginal
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Get Your Rates Quote Now

Good is the highest possible rating. The 2020 Toyota Sienna proves to be a very safe vehicle, which will lead to lower Toyota Sienna insurance costs.

Toyota Sienna Crash Test Ratings

Not only do good Toyota Sienna crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Toyota Sienna auto insurance rates.

Check out how the National Highway Traffic and Safety Administration scored the Toyota Sienna over the years 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
Get Your Rates Quote Now

You can see a video of the 2018 Toyota Sienna passenger-side small overlap crash test below from the Insurance Institute for Highway Safety.

Overall, this vehicle proves to be reliable and safe. You’ll see that reflected in lower insurance rates.

Toyota Sienna Safety Features

The safety features of your car will impact your Toyota Sienna car insurance rates. The Toyota Sienna has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

How much is a fully loaded Toyota Sienna? It will cost you around $31,000 for a brand new model of this van with all the bells and whistles.

Toyota Sienna Insurance Loss Probability

How much is a Toyota Sienna worth? Take a look at the insurance loss probability for this vehicle. The lower percentage means lower insurance rates; higher percentages mean higher auto insurance rates.

Toyota Sienna Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-1%
Property Damage-12%
Comprehensive-1%
Personal Injury-6%
Medical Payment-2%
Bodily Injury-15%
Get Your Rates Quote Now

Insurance loss probability on the Toyota Sienna fluctuates between each type of coverage.

Toyota Sienna Finance and Insurance Cost

If you are financing a Toyota Sienna, most lenders will require your carry higher coverage options, including comprehensive coverage. Be sure to shop around and compare car insurance quotes from the best companies using our FREE tool below.

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

 Secured with SHA-256 Encryption

Ways to Save on Toyota Sienna Insurance

If you want to reduce the cost of your Toyota Sienna insurance rates, follow these tips below:

  • Install an aftermarket anti-theft device for your Toyota Sienna.
  • Provide Your VIN When Requesting auto insurance quotes.
  • Buy a dashcam for your vehicle.
  • Practice safe driving techniques.
  • Move to an area with a lower cost of living.

Top Toyota Sienna Insurance Companies

Who is the best auto insurance company for Toyota Sienna insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering coverage ordered by market share.

Auto Insurance Companies by Market Share
RankCompanyVolumeMarket Share
1State Farm$65,615,1909.30%
2GEICO$46,106,9716.60%
3Progressive$39,222,8795.60%
4Liberty Mutual$35,600,0515.10%
5Allstate$35,025,9035.00%
6Travelers$28,016,9664.00%
7USAA$23,483,0803.30%
8Chubb$23,388,3853.30%
9Farmers$20,643,5592.90%
10Nationwide$18,442,1452.60%
Get Your Rates Quote Now

Many of these companies offer discounts for security systems and other safety features that the Toyota Sienna offers.

Check out the following graph for more details.

What insurance company has the lowest rates will be different depending on where you live and your individual demographics. For some people, Geico will be the most affordable. For others, it might be Nationwide.

Comparison shopping will help you see which company is the best budget insurance company for you.

You’re now an expert on securing cheap Toyota Sienna car insurance. Start comparing quotes for your Toyota Sienna insurance from the top car insurance companies by entering your ZIP code into our FREE online tool today.

References:

    1. https://www.iihs.org/ratings/vehicle/toyota/sienna-minivan/2020
    2. https://www.nhtsa.gov/vehicle/2018/TOYOTA/SIENNA/VAN/FWD

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

Leave a Rating

Your email address will not be published. Required fields are marked *