What is the Best Car Insurance for a Toyota Sienna?

Toyota Sienna insurance rates are $1,356 a year, or around $113 a month on average. Finding Toyota Sienna teenager insurance rates can cost on average $4,956 a year, so shop around to find cheap coverage.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Jun 28, 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

Toyota Sienna insurance rates are $163 cheaper than the average. Full coverage costs $113 per month and liability-only coverage costs $45. Continue reading to learn how you can save $559 per year on Toyota Sienna insurance rates.

You can start comparing quotes for Toyota Sienna 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 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 Chrysler Pacifica, Kia Sedona, and Honda Odyssey.

VehicleComprehensiveCollisionLiabilityTotal
Toyota Sienna$294$532$372$1,356
Chrysler Pacifica$348$532$316$1,332
Kia Sedona$282$448$338$1,204
Honda Odyssey$280$532$372$1,342
Dodge Grand Caravan$308$438$372$1,276

However, there are a few things you can do to find the cheapest Toyota Sienna insurance rates online.

What Impacts the Cost of Toyota Sienna Insurance?

Even though the average annual rate for the Toyota Sienna is $1,356, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Toyota Sienna.

Age of the Vehicle

Older Toyota Sienna models generally cost less to insure. For example, car insurance for a 2020 Toyota Sienna costs $1,356, while the 2010 Toyota Sienna insurance costs are $1,122, a difference of $234.

Model YearComprehensiveCollisionLiabilityTotal
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 Toyota Sienna insurance rates. As an example, a 30-year-old driver pays around $60 more each year for their Toyota Sienna car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Toyota Sienna insurance rates. For example, drivers in Los Angeles may pay $1,166 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Toyota Sienna auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Sienna car insurance with violations on their driving record.

Toyota Sienna Safety Ratings

The Toyota Sienna’s safety ratings will affect your Toyota Sienna insurance rates. See the chart below:

Test TypeRating
Small overlap front: driver-sideAcceptable
Small overlap front: passenger-sideMarginal
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Toyota Sienna Crash Test Ratings

The crash test ratings of the Toyota Sienna can impact your Toyota Sienna insurance rates.

Vehicle TestedOverallFrontalSideRollover
2019 Toyota Sienna VAN FWD5 stars4 stars5 stars4 stars
2019 Toyota Sienna VAN AWD5 stars4 stars5 stars4 stars
2018 Toyota Sienna VAN FWD5 stars4 stars5 stars4 stars
2018 Toyota Sienna VAN AWD5 stars4 stars5 stars4 stars
2017 Toyota Sienna VAN FWD5 stars4 stars5 stars4 stars
2017 Toyota Sienna VAN AWD5 stars4 stars5 stars4 stars
2016 Toyota Sienna VAN FWD5 stars4 stars5 stars4 stars
2016 Toyota Sienna VAN AWD5 stars4 stars5 stars4 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 CategoryLoss 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, you will pay more if you purchase Toyota Sienna auto insurance at the dealership, so be sure to shop around and compare Toyota Sienna car insurance quotes from the best companies using our FREE tool below.

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5 Ways to Save on Toyota Sienna Insurance

If you want to reduce the cost of your Toyota Sienna insurance rates, follow these tips below:

  • Provide Your Toyota Sienna VIN When Requesting Toyota Sienna Insurance Rates
  • Consider Renting a Car Instead of Buying a Second Toyota Sienna
  • Drive Your Toyota Sienna Safely
  • Ask About Discounts for People with Disabilities
  • Buy a Toyota Sienna with an Anti-Theft Device

Top Toyota Sienna Insurance Companies

Several insurance companies offer competitive rates for the Toyota Sienna based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Toyota Sienna drivers organized by market share.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

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