Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 6, 2020

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Key Takeaways:

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

When it comes to Toyota Sienna car insurance rates, drivers spend $163 less per year than the average vehicle. It’s also helpful to know that good drivers can bring their Toyota Sienna rates down by as much as $559 a year by qualifying for policy discounts. Learn everything you need to know about Toyota Sienna rates by reading through this helpful article.

You can start comparing quotes for Toyota Sienna car insurance rates from some of the best car insurance companies by using 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.

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Are Toyota Siennas Expensive to Insure?

The chart below details how Toyota Sienna insurance rates compare to other vans like the Kia Sedona, Dodge Grand Caravan, and Honda Odyssey.

Vehicle Comprehensive Collision Liability Total
Toyota Sienna $294 $532 $372 $1,356
Kia Sedona $282 $448 $338 $1,204
Dodge Grand Caravan $308 $438 $372 $1,276
Honda Odyssey $280 $532 $372 $1,342
Chrysler Pacifica $348 $532 $316 $1,332
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However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota Sienna Insurance?

The Toyota Sienna trim and model you choose can impact the total price you will pay for Toyota Sienna auto insurance coverage.

Age of the Vehicle

The average Toyota Sienna car insurance rates are higher for newer models. For example, car insurance for a 2020 Toyota Sienna costs $1,356, while 2010 Toyota Sienna insurance costs are $1,122, a difference of $234.

Model Year Comprehensive Collision Liability Total
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
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Driver Age

Driver age can have a significant effect on Toyota Sienna car insurance rates. As an example, a 30-year-old driver pays around $60 more each year for their Toyota Sienna car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Toyota Sienna insurance rates. For example, drivers in Los Angeles may pay $746 a year more than drivers in Phoenix.

Your Driving Record

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

Toyota Sienna Safety Ratings

The Toyota Sienna’s safety ratings will affect your Toyota Sienna car insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Acceptable
Small overlap front: passenger-side Marginal
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Toyota Sienna Crash Test Ratings

Poor Toyota Sienna crash test ratings could mean higher Toyota Sienna car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2019 Toyota Sienna VAN FWD 5 stars 4 stars 5 stars 4 stars
2019 Toyota Sienna VAN AWD 5 stars 4 stars 5 stars 4 stars
2018 Toyota Sienna VAN FWD 5 stars 4 stars 5 stars 4 stars
2018 Toyota Sienna VAN AWD 5 stars 4 stars 5 stars 4 stars
2017 Toyota Sienna VAN FWD 5 stars 4 stars 5 stars 4 stars
2017 Toyota Sienna VAN AWD 5 stars 4 stars 5 stars 4 stars
2016 Toyota Sienna VAN FWD 5 stars 4 stars 5 stars 4 stars
2016 Toyota Sienna VAN AWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Toyota Sienna Safety Features

The more safety features you have on your Toyota Sienna, the more likely it is that you can earn a discount. The Toyota Sienna’s safety features include:

  • 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

Toyota Sienna Insurance Loss Probability

Another contributing factor that affects Toyota Sienna car insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision -1%
Property Damage -12%
Comprehensive -1%
Personal Injury -6%
Medical Payment -2%
Bodily Injury -15%
Source: Insurance Institute for Highway Safety
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Toyota Sienna Finance and Insurance Cost

If you are financing a Toyota Sienna, you will pay more if you purchase Toyota Sienna auto insurance at the dealership, so be sure to shop around and compare Toyota Sienna auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Toyota Sienna Insurance

There are many ways that you can save on Toyota Sienna car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Toyota Sienna car insurance rates low.

  • Ask About Farm and Ranch Vehicle Discounts
  • Improve Your Credit Score
  • Buy a Dashcam for Your Toyota Sienna
  • Park Your Toyota Sienna Somewhere Safe – like a Garage or Private Driveway
  • Take a Refresher Course as an Older Driver

Top Toyota Sienna Insurance Companies

Who is the top car 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 Toyota Sienna auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Sienna offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Toyota Sienna Insurance Quotes Online

Start comparing Toyota Sienna car insurance quotes for free by using our convenient online comparison tool.
Are you looking to buy a new Toyota Sienna? Car insurance pricing is an important thing to look into before making a purchase.

Determining how much car insurance will cost is easy—just enter your ZIP above for a free Toyota Sienna car insurance comparison!

The price will be different based on each personal situation. Below are just a few things that could help determine the cost of your Toyota Sienna insurance rates.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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What Safety Features Determine the Cost of Car Insurance?

The Toyota Sienna is one minivan that is packed with standard safety features. Your new van will already come with:

Most auto insurance companies see these standard safety features and decrease the amount your will have to pay for insurance.

You can also opt to get more safety features added on, such as Anti-Theft with engine immobilizer and jam protection. The safer your car is the less you will have to pay for insurance.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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The Model You Choose Determines the Cost of Car Insurance

The model you choose to buy will also help determine how much you are going to pay for auto insurance. For example, if you choose to get the most expensive Sienna called Sienna Limited, you will most likely pay more for auto insurance.

Basically, the model of the car determines the value of the car and the higher the value, the more you will pay.

How Can I Find the Best Price For Car Insurance?

Your best bet is to shop around for car insurance before you actually buy the vehicle.

There are so many different auto insurance companies out there that will give you different prices. Know what type of Sienna you want to buy and get quotes.

From there you can pick out the auto insurance company that offers you the best price and coverage. Enter your ZIP to start comparing free Toyota Sienna auto insurance quotes online!