Toyota Sienna Insurance Quotes [Rates + Comparison Guide]
If you want to buy cheap Toyota Sienna insurance coverage then you should know that a policy will cost $113 per month ($1,356 per year) on average. Teens pay the highest rates at up to $4,956 a year, while good drivers may only pay $797.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Jun 19, 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
Parents who insure a Toyota Sienna for their teens will pay up to $413 per month. The average Toyota Sienna insurance rates are $113 per month. Read through this guide to learn how you can save money Toyota Sienna insurance rates.
You can start comparing quotes for Toyota Sienna auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Toyota Sienna Insurance Cost
The average Toyota Sienna auto insurance rates 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, Honda Odyssey, and Chrysler Pacifica.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota Sienna | $294 | $532 | $372 | $1,356 |
| Kia Sedona | $282 | $448 | $338 | $1,204 |
| Honda Odyssey | $280 | $532 | $372 | $1,342 |
| Chrysler Pacifica | $348 | $532 | $316 | $1,332 |
| Dodge Grand Caravan | $308 | $438 | $372 | $1,276 |
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 insurance coverage.
Age of the Vehicle
The average Toyota Sienna auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Toyota Sienna are $1,356, while the 2010 Toyota Sienna rates 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 |
Driver Age
Driver age can have a significant effect on the cost of Toyota Sienna auto insurance. For example, 30-year-old drivers pay approximately $60 more for their Toyota Sienna auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Toyota Sienna insurance rates. For example, drivers in New York may pay $827 a year more than drivers in Seattle.
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 auto insurance with violations on their driving record.
Toyota Sienna Safety Ratings
Your Toyota Sienna auto insurance rates are influenced by the safety ratings of the Toyota Sienna. See the breakdown 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 | |
Toyota Sienna Crash Test Ratings
Poor Toyota Sienna crash test ratings could mean higher Toyota Sienna auto 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 | ||||
|---|---|---|---|---|
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
The Toyota Sienna’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Toyota Sienna, others are more favorable and lead to lower insurance rates.
| 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 | |
Toyota Sienna Finance and Insurance Cost
If you are financing a Toyota Sienna, most lenders will require your carry higher Toyota Sienna coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Sienna auto insurance rates 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 auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Toyota Sienna auto insurance rates low.
- Compare Toyota Sienna Quotes Online
- Buy An Older Toyota Sienna
- Ask for a Toyota Sienna Discount If You Have College Degree or Higher
- Check Reviews and State Complaints Before You Choose an Insurer
- Ask About Student Discounts
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 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 | |||
Compare Free Toyota Sienna Insurance Quotes Online
You can start comparing quotes for Toyota Sienna insurance from some of the top auto insurance companies by using our free online tool today.