Toyota Sienna Car Insurance Cost 2025
Getting insurance for a Toyota Sienna costs $718 per year, on average. However, the exact cost can vary depending on factors such as your age, the year of the car model, location, driving history, and coverage options. You can use quote tables to get a more personalized estimate of your specific insurance costs based on these factors.
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If you’re thinking about buying a Toyota Sienna, you’ll need to factor in the cost of insurance. On average, insurance for a Toyota Sienna costs $718 per year. Insurance is a significant aspect of owning a car, so it’s important to understand it before making a purchase.
Selecting the right car insurance is crucial to avoid unexpected and potentially high expenses later on. It’s essential to have adequate coverage in case of an accident to avoid significant out-of-pocket costs. Additionally, being found at fault in an accident could result in higher premiums.
With more than ten years of experience analyzing car insurance rates, I’ve observed how much these costs can vary. Factors like your age, driving record, and location can have a significant impact on your insurance premiums.
How Much Does Toyota Sienna Car Insurance Cost?
Typically, Toyota Sienna drivers can find car insurance at an average rate of $718 per year. However, the actual premium you pay can be influenced by factors such as your age, driving history, location, and coverage options. It’s important to compare quotes from different providers to get the most accurate and cost-effective rate for your specific situation.
It’s crucial to recognize that the cost of car insurance can vary significantly due to several factors. These factors include your location, driving history, the model year of your car, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations may lead to higher costs.
Moreover, residing in an urban area with heavy traffic might result in higher insurance rates compared to rural areas with less traffic. Additionally, the type of coverage you opt for will impact your premium – comprehensive insurance, which covers both comprehensive and collision, generally costs more than minimum liability coverage.
As you can see from the table below, the cost of insurance for a Toyota Sienna is lower compared to the average cost of all Toyota models. However, it is cheaper than the average cost for all cars.
Insuranceopedia is available to assist you in comparing quotes from various auto insurance companies, ensuring you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Toyota Sienna | $130 |
| All Toyotas | $161 |
| All Cars | $175 |
Average Insurance Cost Of Toyota Sienna By Model Year
| Model Year | Average Premium |
| 2024 Toyota Sienna | $1,247 |
| 2023 Toyota Sienna | $994 |
| 2022 Toyota Sienna | $961 |
| 2021 Toyota Sienna | $668 |
| 2020 Toyota Sienna | $812 |
| 2019 Toyota Sienna | $738 |
| 2018 Toyota Sienna | $760 |
| 2017 Toyota Sienna | $766 |
| 2016 Toyota Sienna | $743 |
| 2015 Toyota Sienna | $598 |
| 2014 Toyota Sienna | $574 |
| 2013 Toyota Sienna | $622 |
| 2012 Toyota Sienna | $373 |
| 2011 Toyota Sienna | $392 |
| 2010 Toyota Sienna | $546 |
2024 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2024 Toyota Sienna is $1,247. However, New York Central Mutual Fire offers the cheapest rates, averaging $718 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $1,013 |
| GMAC Insurance Group | $1,511 |
| Mercury | $1,448 |
| North Carolina Farm Bureau | $1,359 |
| New York Central Mutual Fire | $718 |
| Erie | $1,048 |
| SECURA Insurance | $968 |
| Esurance | $1,497 |
| USAA | $1,544 |
| Titan | $1,368 |
2023 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2023 Toyota Sienna is $994. However, Safeco offers the cheapest rates, averaging $48 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $727 |
| New Jersey Manufacturers | $1,471 |
| Allied | $1,296 |
| Dairyland | $1,116 |
| Safeco | $48 |
| Capital Insurance Group | $803 |
| Mercury Insurance | $587 |
| Oregon Mutual | $1,299 |
| Mercury Insurance Company | $1,365 |
| GMAC Insurance Group | $1,228 |
2022 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2022 Toyota Sienna is $961. However, Victoria offers the cheapest rates, averaging $349 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $697 |
| Mercury Insurance Company | $1,229 |
| Tennessee Farmers | $1,176 |
| Capital Insurance Group | $1,099 |
| Victoria | $349 |
| Pekin Insurance | $889 |
| Safeco | $681 |
| SECURA Insurance | $1,181 |
| Virginia Farm Bureau | $1,188 |
| AssuranceAmerica | $1,119 |
2021 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2021 Toyota Sienna is $668. However, Safeco offers the cheapest rates, averaging $126per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $422 |
| Capital Insurance Group | $1,067 |
| PEMCO | $871 |
| Dairyland Broadform | $635 |
| Safeco | $126 |
| American National P | $552 |
| Kemper Auto | Infinity | $330 |
| Virginia Farm Bureau | $873 |
| NatGen PPA | $998 |
| NatGen Custom 360 | $805 |
2020 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2020 Toyota Sienna is $812. However, Concord Group offers the cheapest rates, averaging $495 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $574 |
| Virginia Farm Bureau | $984 |
| PEMCO | $914 |
| Texas Farm Bureau Group | $902 |
| Concord Group | $495 |
| Countryway Insurance | $891 |
| Safeco | $493 |
| MMG Insurance Company | $968 |
| Clearcover | $979 |
| Capital Insurance Group | $919 |
2019 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2019 Toyota Sienna is $738. However, Safeco offers the cheapest rates, averaging $116 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $650 |
| PEMCO | $955 |
| Buckeye Insurance Group | $892 |
| Western Reserve | $827 |
| Safeco | $116 |
| Pekin Insurance | $757 |
| Mercury Insurance | $465 |
| SECURA Insurance | $932 |
| Rockford Mutual Insurance | $918 |
| Indiana Farmers Mutual Ins | $865 |
Find Affordable Toyota Sienna Insurance Rates
2018 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2018 Toyota Sienna is $760. However, Dairyland offers the cheapest rates, averaging $474 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $612 |
| Atlantic States Insurance | $935 |
| United Farm Bureau of IN Group | $842 |
| Tennessee Farmers | $822 |
| American National P | $481 |
| Buckeye Insurance Group | $782 |
| Dairyland | $474 |
| Indiana Farmers Mutual Ins | $870 |
| PEMCO | $906 |
| Safeco | $873 |
2017 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2017 Toyota Sienna is $766. However, American National P offers the cheapest rates, averaging $603 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $701 |
| Plymouth Rock Assurance | $850 |
| SafeAuto | $820 |
| Pekin Insurance | $746 |
| American National P | $603 |
| Safeco | $724 |
| Mercury Insurance | $732 |
| Texas Farm Bureau Group | $857 |
| Mercury Insurance Company | $856 |
| Buckeye Insurance Group | $771 |
2016 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2016 Toyota Sienna is $743. However, Safeco offers the cheapest rates, averaging $407 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $589 |
| Clearcover | $1,064 |
| North Carolina Farm Bureau | $840 |
| SECURA Insurance | $752 |
| Safeco | $407 |
| Mercury Insurance | $619 |
| American National P | $471 |
| PEMCO | $906 |
| First Chicago Insurance | $945 |
| Buckeye Insurance Group | $834 |
2015 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2015 Toyota Sienna is $598. However, Mercury Insurance offers the cheapest rates, averaging $249 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $435 |
| NatGen Advantage | $786 |
| Kentucky Farm Bureau | $745 |
| American National P | $535 |
| Mercury Insurance | $249 |
| American National P&C | $506 |
| Safeco | $366 |
| Cameron Mutual Group | $795 |
| PEMCO | $805 |
| Infinity Special | $755 |
2014 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2014 Toyota Sienna is $574. However, American National P offers the cheapest rates, averaging $423 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $444 |
| Kentucky Farm Bureau | $750 |
| Safeco | $646 |
| Concord Group | $577 |
| Buckeye Insurance Group | $426 |
| NatGen Value | $554 |
| American National P | $423 |
| Pekin Insurance | $664 |
| Ohio Mutual Ins Group | $730 |
| Western Reserve | $525 |
2013 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2013 Toyota Sienna is $622. However, American National P offers the cheapest rates, averaging $408 per year.
| Insurance Provider | Average Annual Cost |
| Union Mutual Fire Group | $588 |
| Utica National Ins Group | $751 |
| Patriot Group | $699 |
| PEMCO | $646 |
| American National P | $408 |
| Concord Group | $591 |
| National General Value | $447 |
| Acuity | $693 |
| Mercury Insurance Company | $692 |
| MMG Insurance Company | $701 |
2012 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2012 Toyota Sienna is $373. However, Kemper Personal Insurance offers the cheapest rates, averaging $28 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $219 |
| Patriot Group | $585 |
| MMG Insurance Company | $486 |
| AssuranceAmerica Elite | $350 |
| Kemper Personal Insurance | $28 |
| Mercury Insurance | $341 |
| AssuranceAmerica Economy | $232 |
| NatGen PPA | $455 |
| Concord Group | $562 |
| PEMCO | $470 |
2011 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2011 Toyota Sienna is $392. However, Safeco offers the cheapest rates, averaging $105 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $266 |
| Kentucky Farm Bureau | $589 |
| Kemper Auto | $518 |
| American National P | $377 |
| Safeco | $105 |
| Dairyland Broadform | $249 |
| Kemper Personal Insurance | $253 |
| Mercury Insurance | $551 |
| Dairyland FR Bond | $536 |
| PEMCO | $478 |
2010 Toyota Sienna Insurance Rates
The average annual insurance cost for a 2010 Toyota Sienna is $546. However, Safeco offers the cheapest rates, averaging $112 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $350 |
| Indiana Farmers Mutual Ins | $752 |
| PEMCO | $706 |
| Texas Farm Bureau Group | $671 |
| Safeco | $112 |
| Buckeye Insurance Group | $580 |
| Mercury Insurance | $223 |
| SECURA Insurance | $702 |
| Southern Farm Bureau | $739 |
| Utica National Ins Group | $627 |
Find Affordable Toyota Sienna Insurance Rates
Is A Toyota Sienna Expensive To Insure?
The cost to insure a Toyota Sienna is generally lower than the average cost to insure most vehicles. However, the exact amount you’ll pay for coverage will vary based on several personal factors. These include your age, driving history, the age and condition of your vehicle, your location, and the type of coverage you choose.
For example, younger drivers or those with traffic violations may see higher premiums, while older drivers with clean records often pay less. Similarly, living in an area with high traffic or crime rates could increase your rate, whereas rural or low-risk areas might result in more affordable premiums.
To get the most accurate rate, it’s a good idea to compare quotes from multiple insurance providers.
Cost of Toyota Sienna Car Insurance By Age
Age is one of the most influential factors when it comes to calculating car insurance rates. Teen drivers generally face the highest premiums because they have less experience behind the wheel and are statistically more likely to be involved in accidents.
As drivers age and gain more experience, their risk level typically drops, which leads to lower insurance costs. Adults in their 30s, 40s, and 50s often enjoy some of the lowest rates, especially if they maintain a clean driving record. However, premiums may begin to increase again for drivers over the age of 65, as age-related factors can slightly raise perceived risk.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,679 | $11,207 | $13,120 |
| 18 | $7,127 | $10,466 | $12,238 |
| 19 | $6,307 | $9,237 | $10,821 |
| 20 | $5,463 | $8,053 | $9,447 |
| 21 | $4,609 | $6,755 | $7,912 |
| 22 | $4,496 | $6,587 | $7,705 |
| 23 | $3,936 | $5,761 | $6,736 |
| 24 | $3,720 | $5,468 | $6,369 |
| 25 | $3,175 | $4,763 | $5,547 |
| 30 | $2,518 | $3,684 | $4,325 |
| 35 | $2,366 | $3,480 | $4,065 |
| 40 | $2,223 | $3,345 | $3,848 |
| 45 | $2,214 | $3,236 | $3,794 |
| 55 | $1,989 | $2,960 | $3,494 |
| 65 | $2,104 | $3,122 | $3,606 |
| 75 | $2,648 | $3,870 | $4,565 |
Toyota Sienna Car Insurance Rates By State
Where you live plays a significant role in determining your car insurance rates. Insurance companies evaluate risk based on geographic factors such as state regulations, local crime rates, weather conditions, and traffic patterns. For example, states like Michigan often have higher premiums due to mandatory high coverage limits and no-fault insurance laws. Urban areas typically see increased rates because of heavy traffic and a higher likelihood of accidents or theft. Additionally, regions prone to severe weather events—such as hurricanes, floods, or wildfires—pose greater risks, which can also raise premiums. In contrast, drivers living in rural or low-crime areas with mild climates often benefit from lower insurance costs.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,407 | $3,491 | $4,415 |
| Alaska | $1,963 | $2,761 | $2,644 |
| Arizona | $2,229 | $3,231 | $4,793 |
| Arkansas | $2,449 | $3,865 | $4,231 |
| California | $2,766 | $4,828 | $2,712 |
| Colorado | $2,539 | $3,589 | $4,547 |
| Connecticut | $3,267 | $5,044 | $6,378 |
| Delaware | $2,683 | $3,609 | $4,622 |
| Florida | $3,217 | $4,453 | $5,776 |
| Georgia | $2,620 | $3,927 | $3,956 |
| Hawaii | $1,044 | $1,421 | $1,074 |
| Idaho | $1,830 | $2,403 | $2,954 |
| Illinois | $1,908 | $2,873 | $3,279 |
| Indiana | $1,935 | $2,981 | $3,358 |
| Iowa | $1,533 | $2,122 | $2,508 |
| Kansas | $2,028 | $2,989 | $3,507 |
| Kentucky | $2,980 | $4,361 | $5,158 |
| Louisiana | $3,843 | $5,747 | $6,250 |
| Maine | $1,432 | $2,008 | $2,970 |
| Maryland | $2,342 | $3,411 | $3,760 |
| Massachusetts | $1,883 | $3,282 | $1,850 |
| Michigan | $4,536 | $6,911 | $10,869 |
| Minnesota | $1,874 | $2,456 | $3,455 |
| Mississippi | $2,218 | $3,199 | $3,235 |
| Missouri | $2,100 | $3,033 | $3,992 |
| Montana | $2,151 | $2,968 | $3,533 |
| Nebraska | $1,797 | $2,715 | $2,956 |
| Nevada | $3,033 | $4,431 | $4,718 |
| New Hampshire | $2,087 | $3,270 | $4,168 |
| New Jersey | $2,300 | $3,601 | $4,714 |
| New Mexico | $2,351 | $3,490 | $3,653 |
| New York | $2,166 | $2,725 | $4,579 |
| North Carolina | $1,325 | $2,316 | $1,640 |
| North Dakota | $1,828 | $2,823 | $3,308 |
| Ohio | $1,660 | $2,563 | $2,594 |
| Oklahoma | $2,645 | $3,771 | $4,243 |
| Oregon | $2,402 | $3,198 | $3,818 |
| Pennsylvania | $2,038 | $2,972 | $3,443 |
| Rhode Island | $3,388 | $4,941 | $5,538 |
| South Carolina | $2,317 | $3,180 | $4,399 |
| South Dakota | $2,066 | $2,952 | $3,407 |
| Tennessee | $2,416 | $3,549 | $4,733 |
| Texas | $2,462 | $3,512 | $4,350 |
| Utah | $2,048 | $2,920 | $4,025 |
| Vermont | $1,581 | $2,482 | $2,612 |
| Virginia | $1,492 | $2,263 | $2,283 |
| Washington | $2,006 | $2,707 | $3,227 |
| West Virginia | $2,019 | $2,879 | $3,585 |
| Wisconsin | $1,972 | $3,074 | $3,508 |
| Wyoming | $1,833 | $2,619 | $2,800 |
Find Affordable Toyota Sienna Insurance Rates
Cheapest Car Insurance Companies For A Toyota Sienna
If you’re planning to purchase a new car insurance policy for your Toyota Sienna, it’s helpful to know which companies offer the most affordable options. For example, Acceptance is currently the cheapest provider, with an average premium of just $25 per month for Toyota Sienna drivers. However, it’s important to remember that insurance rates can vary significantly based on your personal driver profile, including factors like age, location, driving history, and coverage preferences. To ensure you get the best possible rate for your specific situation, it’s always a smart idea to shop around and compare quotes from multiple insurance providers.
| Company | Average Monthly Rate |
| Acceptance | $25 |
| Hallmark | $28 |
| Dairyland | $29 |
| CaliforniaCasualty | $30 |
| Shelter Mutual | $33 |
Common Toyota Sienna Insurance Discounts
Sure! Here’s the same information formatted with bullet points for better readability:
- Multi-policy discount: Bundle your home and auto insurance with the same provider to receive a discounted rate.
- Pay annually discount: Save money by paying your premium in one lump sum instead of monthly payments.
- Defensive driving discount: Take a certified defensive driving course to become eligible for a lower rate.
- Other discounts: You may qualify for additional savings based on factors like low mileage, good student status, or having safety features in your car.
Be sure to speak with your insurance agent—they can help you find all the discounts you’re eligible for and ensure you’re getting the best possible rate.
Ways To Save On Toyota Sienna Insurance Costs
Maintaining a clean driving record is one of the most effective ways to reduce your Toyota Sienna insurance costs. A single speeding ticket or accident can lead to higher premiums. For example, Toyota Sienna drivers with a ticket on their record typically pay about $76 per month, while those with multiple accidents may pay an average of $108 per month.
In addition to driving history, annual mileage also impacts insurance rates. Drivers who are on the road less frequently pose a lower risk and usually pay less for coverage. Those who drive between 7,501 and 10,000 miles per year can expect to pay around $78 per month, whereas drivers who log over 10,000 miles per year may pay a slightly lower average of $66 per month.
Avoiding violations and keeping your mileage low are two practical ways to keep your car insurance rates affordable.
Compare Toyota Sienna To Other Toyota Models
Looking for other Toyota model insurance costs?
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Our Methodology
To calculate the average cost of car insurance, Insuranceopedia analyzed thousands of quotes from leading auto insurance providers using a sample profile. This profile was based on a 40-year-old male driver purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. It’s important to note that these figures are based on a standard driver profile, so your actual insurance costs may differ depending on factors such as your age, driving history, location, vehicle type, and chosen coverage options.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Sienna?
Yes, you will need to provide proof of insurance before you can drive your Toyota Sienna off the dealership lot. It’s advisable to purchase an insurance policy in advance and inform your insurance company that you are about to buy the vehicle. This way, you can ensure you have coverage ready for when you drive the car home, rather than relying on the dealership’s insurance.
How Can You Get The Cheapest Insurance For Your Toyota Sienna?
The best way to find the cheapest rates for your Toyota Sienna is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers directly on our website, making it easy to find the best deal for your needs.
