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Toyota Sienna Insurance Rates

Toyota Sienna insurance

U.S. average insurance prices for a Toyota Sienna are $1,290 every 12 months for full coverage. Comprehensive costs an estimated $280 each year, collision insurance costs $504, and liability costs $354. Liability-only coverage costs as little as $416 a year, and high-risk coverage costs around $2,782. 16-year-old drivers pay the highest rates at up to $4,778 a year.

Average premium for full coverage: $1,290

Price estimates broken down by individual coverage:

Comprehensive $280
Collision $504
Liability $354

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 $416 for just the minimum liability insurance to a high rate of $2,782 for high-risk insurance.

Liability Only $416
Full Coverage $1,290
High Risk $2,782

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.

Rural Areas $968
Small Cities $1,355
Large Cities $1,742

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.

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Additional Rate Analysis

The chart below shows average Toyota Sienna insurance rates for other coverage scenarios.

  • The best full coverage rate is $746
  • Drivers who choose higher $1,000 deductibles will pay approximately $178 a year
  • The average price for the average middle-age driver who has $500 deductibles is $1,290
  • Buying low deductibles for comprehensive and collision insurance increases the price to $1,636
  • Drivers with multiple tickets or accidents could pay up to $2,782
  • The price to insure a 16-year-old driver can cost as much as $4,778 a year

View Chart as Image

Toyota Sienna insurance cost comparison chart
Column chart showing Toyota Sienna insurance rates range from $746 to $4,778 for full coverage

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 $318 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 $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% 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 $920 a year in states like Iowa, Maine, and Idaho, or at least $2,050 on average in New York, Louisiana, and Michigan.

Toyota Sienna Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,238-$52-4.0%
Alaska$1,058-$232-18.0%
Arizona$1,292$20.2%
Arkansas$1,306$161.2%
California$1,448$15812.2%
Colorado$1,338$483.7%
Connecticut$1,688$39830.9%
Delaware$1,568$27821.6%
Florida$1,740$45034.9%
Georgia$1,278-$12-0.9%
Hawaii$1,392$1027.9%
Idaho$896-$394-30.5%
Illinois$958-$332-25.7%
Indiana$918-$372-28.8%
Iowa$970-$320-24.8%
Kansas$1,184-$106-8.2%
Kentucky$1,668$37829.3%
Louisiana$2,088$79861.9%
Maine$884-$406-31.5%
Maryland$1,326$362.8%
Massachusetts$1,136-$154-11.9%
Michigan$2,370$1,08083.7%
Minnesota$1,132-$158-12.2%
Mississippi$1,262-$28-2.2%
Missouri$1,100-$190-14.7%
Montana$1,170-$120-9.3%
Nebraska$1,062-$228-17.7%
Nevada$1,664$37429.0%
New Hampshire$1,052-$238-18.4%
New Jersey$1,284-$6-0.5%
New Mexico$1,196-$94-7.3%
New York$1,678$38830.1%
North Carolina$914-$376-29.1%
North Dakota$1,254-$36-2.8%
Ohio$908-$382-29.6%
Oklahoma$1,566$27621.4%
Oregon$1,206-$84-6.5%
Pennsylvania$1,450$16012.4%
Rhode Island$1,564$27421.2%
South Carolina$1,200-$90-7.0%
South Dakota$1,012-$278-21.6%
Tennessee$1,160-$130-10.1%
Texas$1,238-$52-4.0%
Utah$1,142-$148-11.5%
Vermont$918-$372-28.8%
Virginia$928-$362-28.1%
Washington$1,136-$154-11.9%
West Virginia$1,312$221.7%
Wisconsin$1,314$241.9%
Wyoming$1,424$13410.4%

View Chart as Image

Toyota Sienna insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Toyota Sienna Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Toyota Sienna CE$1,206$101
Toyota Sienna LE$1,248$104
Toyota Sienna LE AWD$1,290$108
Toyota Sienna XLE$1,290$108
Toyota Sienna XLE AWD$1,332$111
Toyota Sienna Limited$1,376$115
Toyota Sienna Limited AWD$1,418$118

Rates assume 2018 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.

Toyota Sienna Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 Toyota Sienna$280$504$354$1,290
2017 Toyota Sienna$266$486$370$1,274
2016 Toyota Sienna$256$482$378$1,268
2015 Toyota Sienna$246$470$396$1,264
2014 Toyota Sienna$238$450$408$1,248
2013 Toyota Sienna$226$434$420$1,232
2012 Toyota Sienna$216$404$428$1,200
2011 Toyota Sienna$208$380$432$1,172
2010 Toyota Sienna$200$340$436$1,128
2009 Toyota Sienna$186$314$436$1,088
2008 Toyota Sienna$180$294$440$1,066
2007 Toyota Sienna$176$274$450$1,052
2006 Toyota Sienna$162$254$450$1,018
2005 Toyota Sienna$158$230$454$994
2004 Toyota Sienna$148$212$450$962
2003 Toyota Sienna$138$192$450$932
2002 Toyota Sienna$134$172$446$904
2001 Toyota Sienna$132$168$436$888
2000 Toyota Sienna$130$160$428$870
1999 Toyota Sienna$120$152$424$848

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 $390 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 $398 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,490 more annually than a safer driver
  • Increasing physical damage deductibles could save as much as $525 each year

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Rates by Driver Age

Toyota Sienna Insurance Rates by Driver Age
Driver AgePremium
16$4,778
20$2,972
30$1,344
40$1,290
50$1,176
60$1,154

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sienna Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,636
$250$1,476
$500$1,290
$1,000$1,112

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sienna Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,290
50/100$1,489
100/300$1,577
250/500$1,807
100 CSL$1,524
300 CSL$1,719
500 CSL$1,861

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sienna Insurance Rates for High Risk Drivers
AgePremium
16$6,814
20$4,722
30$2,844
40$2,782
50$2,654
60$2,628

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.

SR-22 Surcharge $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$68
Multi-vehicle$66
Homeowner$18
5-yr Accident Free$95
5-yr Claim Free$83
Paid in Full/EFT$59
Advance Quote$64
Online Quote$91
Total Discounts$544
Rate after discounts $746

Discounts are estimated and may not be available from every company or in every state.

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