Toyota Sienna XLE Insurance Rates

Average insurance rates for a Toyota Sienna XLE are $1,360 a year with full coverage. Comprehensive costs approximately $298, collision insurance costs $540, and liability coverage costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $2,936. Teen drivers receive the highest rates at up to $5,028 a year.

Annual premium for full coverage: $1,360

Rate estimates by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Sienna Trim Level

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance prices.

These differences demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Toyota Sienna XLE can also vary considerably based on the model year, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost around 44% to 132% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age

Where you live makes a big difference in Toyota Sienna XLE insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $560 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in prices, the best way to find out which insurance company is cheapest is to compare prices and see how they stack up. Every company uses a different rate calculation, so rate quotes can be significantly different.

View Chart as Image

The chart above shows Toyota Sienna XLE insurance prices for various risks and coverage choices. The cheapest price with discounts is $785. Drivers who choose higher $1,000 deductibles will pay $1,172. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,360. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,732. High risk drivers could be charged as much as $2,936. The price for full coverage insurance for a teenager is $5,028.

View Chart as Image