Toyota Sienna Insurance Rates
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UPDATED: Apr 30, 2020
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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.
U.S. average insurance prices for a Toyota Sienna are $1,340 every 12 months for full coverage. Comprehensive costs an estimated $280 each year, collision insurance costs $512, and liability costs $390. Liability-only coverage costs as little as $452 a year, and high-risk coverage costs around $2,896. 16-year-old drivers pay the highest rates at up to $5,012 a year.
Average premium for full coverage: $1,340
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Sienna models.
Price Range from Low to High
For a 40-year-old driver, Toyota Sienna insurance prices range from the cheapest price of $452 for just the minimum liability insurance to a high rate of $2,896 for high-risk insurance.
Geographic Price Range
Your location can make a big difference on insurance rates. More rural locations have more infrequent accident claims than congested cities. The graphic below illustrates how your location can change insurance prices.
The ranges above show why all drivers should compare rates for a targeted area and their own driving history, instead of making a decision based on rate 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 shows average Toyota Sienna insurance rates for other coverage scenarios.
- The best full coverage rate is $773
- Drivers who choose higher $1,000 deductibles will pay approximately $180 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,340
- Buying low deductibles for comprehensive and collision insurance increases the price to $1,688
- Drivers with multiple tickets or accidents could pay up to $2,896
- The price to insure a 16-year-old driver can cost as much as $5,012 a year
Auto insurance prices for a Toyota Sienna are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could save up to $530 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 133% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Toyota Sienna insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or at least $1,910 on average in New York, Louisiana, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Toyota Sienna CE||$1,254||$105|
|Toyota Sienna LE||$1,298||$108|
|Toyota Sienna LE AWD||$1,340||$112|
|Toyota Sienna XLE||$1,340||$112|
|Toyota Sienna XLE AWD||$1,384||$115|
|Toyota Sienna Limited||$1,424||$119|
|Toyota Sienna Limited AWD||$1,468||$122|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Toyota Sienna||$280||$512||$390||$1,340|
|2019 Toyota Sienna||$270||$506||$398||$1,332|
|2018 Toyota Sienna||$260||$494||$416||$1,328|
|2017 Toyota Sienna||$250||$474||$430||$1,312|
|2016 Toyota Sienna||$238||$458||$442||$1,296|
|2015 Toyota Sienna||$228||$424||$452||$1,262|
|2014 Toyota Sienna||$218||$400||$456||$1,232|
|2013 Toyota Sienna||$210||$358||$460||$1,186|
|2012 Toyota Sienna||$196||$330||$460||$1,144|
|2011 Toyota Sienna||$190||$310||$464||$1,122|
|2010 Toyota Sienna||$184||$288||$474||$1,104|
|2009 Toyota Sienna||$172||$268||$474||$1,072|
|2008 Toyota Sienna||$166||$244||$478||$1,046|
|2007 Toyota Sienna||$156||$222||$474||$1,010|
|2006 Toyota Sienna||$146||$202||$474||$980|
|2005 Toyota Sienna||$142||$182||$468||$950|
|2004 Toyota Sienna||$140||$178||$460||$936|
|2003 Toyota Sienna||$136||$168||$452||$914|
|2002 Toyota Sienna||$126||$160||$446||$890|
|2001 Toyota Sienna||$120||$152||$442||$872|
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 More Affordable Toyota Sienna Insurance
Getting lower rates on insurance for a Toyota Sienna not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a summary of the material that was illustrated above.
- Insureds who want an increased level of liability coverage will pay around $430 each year to go from a low limit to a 250/500 level
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $418 a month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,560 more annually than a safer driver
- Increasing physical damage deductibles could save as much as $525 each year
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.
|Insurance Coverage Category||Loss Rate|
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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 AutoBlog.com.
- 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.
|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|
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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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$98|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.