Toyota Sienna insurance costs change based on your vehicle's model year, with newer models more expensive to insure. Monthly premiums range from $260 for 2025 Siennas down to $63 for older models.
Toyota Sienna Insurance Cost
Updated: January 22, 2026
Key Takeaways
GEICO offers the cheapest Toyota Sienna insurance on average, though full coverage averages about $174 monthly and varies by model year and insurer choice. Read more.
Vans often cost less to insure than many vehicle types, but the Toyota Sienna ranks 28th out of 34 vans for affordability, making it one of the less affordable vans in our analysis. Read more.
Teen drivers on your policy make model year specificity crucial for accurate Toyota Sienna insurance quotes, as rates vary considerably across years and companies. Read MoneyGeek's analysis of rates by company for specific Sienna model years depending on the age of the drivers.
How Much Is Toyota Sienna Insurance?
Looking for another Toyota model? Read more about the cost of Toyota car insurance models.
Insurance rates depend on model year and insurer. Toyota Sienna minimum coverage costs range from $60 monthly with GEICO to $149 with UAIC, while full coverage spans $130 with GEICO to $315 with AIG.
These cost differences (up to $89 for minimum coverage and up to $185 for full coverage) demonstrate why Sienna owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $102 | $211 |
| AIG | $128 | $315 |
| Allstate | $114 | $220 |
| Amica | $115 | $236 |
| Chubb | $118 | $235 |
| Farmers | $135 | $237 |
| Geico | $60 | $130 |
| Kemper | $86 | $174 |
| Nationwide | $99 | $172 |
| Progressive | $89 | $167 |
| State Farm | $84 | $175 |
| The Hartford | $93 | $158 |
| Travelers | $77 | $142 |
| UAIC | $149 | $187 |
Is Toyota Sienna Expensive to Insure?
MoneyGeek's analysis of 35 vans shows the Toyota Sienna ranking 28th for insurance affordability, with 27 vehicles costing less to insure. It sits between the slightly cheaper Nissan NV2500 and the marginally pricier Chrysler Pacifica, positioning it toward the more affordable end among van options. This middle-tier placement among vans provides helpful context for potential buyers.
The broader picture reveals the Sienna's 373rd place out of 827 total vehicles, putting it in the top half for affordability across all car types. While vans aren't the cheapest vehicle category to insure, the Sienna performs well compared to options like the budget-friendly Dodge Caravan and the premium-priced Ram ProMaster.
| Kia Sorrento | $127 | 25 |
| Volkswagen Eurovan | $127 | 26 |
| Nissan NV2500 | $131 | 27 |
| Toyota Sienna | $132 | 28 |
| Chrysler Pacifica | $134 | 29 |
| Kia Carnival | $165 | 30 |
| Mercedes Sprinter | $165 | 31 |
Several factors affect what you'll pay for Toyota Sienna insurance:
- Average Repair or Replacement Costs: Toyota Sienna repair costs average $757 annually, ranking as Toyota's 17th most affordable model to maintain out of 32 total vehicles in their lineup.
- Vehicle Trim, Features and Accessories: The Sienna's 245 horsepower hybrid powertrain performance impacts insurance rates, with higher trims commanding more expensive premiums due to increased replacement costs and performance capabilities.
- Driver Profile: Most Toyota Sienna drivers fall between 35 to 50 years old with a median age around 42, earning lower rates due to responsible family-oriented driving habits. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Toyota Siennas for young drivers.
Toyota Sienna Insurance Cost by State
Toyota Sienna minimum coverage costs range from $178 monthly in Louisiana down to just $33 in Wyoming, showing how location impacts your rates. These state differences reflect local risk factors and insurance regulations rather than anything specific about the Sienna itself.
| Alabama | $77 | $145 |
| Alaska | $64 | $136 |
| Arizona | $109 | $204 |
| Arkansas | $73 | $162 |
| California | $85 | $172 |
| Colorado | $85 | $202 |
| Connecticut | $123 | $211 |
| Delaware | $124 | $208 |
| District Of Columbia | $91 | $168 |
| Florida | $118 | $274 |
| Georgia | $130 | $214 |
| Hawaii | $47 | $105 |
| Idaho | $48 | $98 |
| Illinois | $81 | $152 |
| Indiana | $58 | $113 |
| Iowa | $50 | $120 |
| Kansas | $64 | $149 |
| Kentucky | $109 | $185 |
| Louisiana | $178 | $380 |
| Maine | $46 | $96 |
| Maryland | $137 | $231 |
| Massachusetts | $90 | $191 |
| Michigan | $140 | $270 |
| Minnesota | $75 | $156 |
| Mississippi | $80 | $158 |
| Missouri | $106 | $210 |
| Montana | $62 | $148 |
| Nebraska | $65 | $148 |
| Nevada | $155 | $281 |
| New Hampshire | $63 | $111 |
| New Jersey | $146 | $241 |
| New Mexico | $72 | $160 |
| New York | $109 | $195 |
| North Carolina | $74 | $145 |
| North Dakota | $55 | $119 |
| Ohio | $67 | $130 |
| Oklahoma | $83 | $184 |
| Oregon | $106 | $185 |
| Pennsylvania | $78 | $184 |
| Rhode Island | $110 | $196 |
| South Carolina | $88 | $164 |
| South Dakota | $49 | $149 |
| Tennessee | $69 | $139 |
| Texas | $110 | $225 |
| Utah | $95 | $162 |
| Vermont | $41 | $98 |
| Virginia | $84 | $137 |
| Washington | $81 | $150 |
| West Virginia | $77 | $156 |
| Wisconsin | $58 | $127 |
| Wyoming | $33 | $103 |
Toyota Sienna Costs by Model Year and Insurance Company
A 35- to 55-year-old driver pays an average of $261 monthly for full coverage on a 2025 Toyota Sienna compared to just $207 for a 2016 model. Model year impacts your insurance costs, with newer vehicles commanding higher premiums than older ones. Teen and young adult drivers pay much higher rates across all Toyota Sienna model years.
GEICO offers the most affordable rates across all Toyota Sienna model years. Shopping between insurers could save you hundreds of dollars monthly compared to average costs.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Toyota Sienna
| Geico | $82 | $180 |
| Travelers | $97 | $179 |
| National General | $105 | $214 |
| Kemper | $111 | $225 |
| State Farm | $115 | $239 |
| Nationwide | $116 | $201 |
| Progressive | $119 | $222 |
| The Hartford | $131 | $223 |
| Allstate | $135 | $261 |
| AAA | $141 | $292 |
| Amica | $158 | $324 |
| Chubb | $169 | $339 |
| AIG | $176 | $438 |
| Farmers | $190 | $335 |
| UAIC | $192 | $242 |
Cost of Car Insurance for 2024 Toyota Sienna
| Geico | $78 | $171 |
| Travelers | $92 | $170 |
| National General | $100 | $204 |
| Kemper | $106 | $214 |
| State Farm | $110 | $228 |
| Nationwide | $111 | $192 |
| Progressive | $113 | $212 |
| The Hartford | $125 | $213 |
| Allstate | $129 | $249 |
| AAA | $134 | $279 |
| Amica | $151 | $309 |
| Chubb | $161 | $323 |
| AIG | $168 | $417 |
| Farmers | $181 | $319 |
| UAIC | $183 | $231 |
Cost of Car Insurance for 2023 Toyota Sienna
| Geico | $79 | $174 |
| Travelers | $94 | $173 |
| National General | $101 | $207 |
| Kemper | $107 | $217 |
| State Farm | $111 | $232 |
| Nationwide | $112 | $195 |
| Progressive | $115 | $215 |
| The Hartford | $127 | $216 |
| Allstate | $131 | $253 |
| AAA | $136 | $283 |
| Amica | $153 | $313 |
| Chubb | $164 | $327 |
| AIG | $170 | $424 |
| Farmers | $184 | $324 |
| UAIC | $186 | $234 |
Cost of Car Insurance for 2022 Toyota Sienna
| Geico | $67 | $146 |
| Travelers | $79 | $145 |
| National General | $85 | $174 |
| Kemper | $90 | $182 |
| State Farm | $93 | $194 |
| Nationwide | $94 | $163 |
| Progressive | $96 | $181 |
| The Hartford | $106 | $181 |
| Allstate | $110 | $212 |
| AAA | $114 | $237 |
| Amica | $128 | $263 |
| Chubb | $138 | $275 |
| AIG | $143 | $356 |
| Farmers | $155 | $272 |
| UAIC | $156 | $197 |
Cost of Car Insurance for 2021 Toyota Sienna
| Geico | $64 | $141 |
| Travelers | $76 | $140 |
| National General | $82 | $168 |
| Kemper | $87 | $176 |
| State Farm | $90 | $188 |
| Nationwide | $91 | $158 |
| Progressive | $93 | $175 |
| The Hartford | $103 | $175 |
| Allstate | $106 | $205 |
| AAA | $110 | $229 |
| Amica | $124 | $254 |
| Chubb | $133 | $266 |
| AIG | $138 | $344 |
| Farmers | $149 | $263 |
| UAIC | $151 | $190 |
Cost of Car Insurance for 2020 Toyota Sienna
| Geico | $53 | $116 |
| Travelers | $63 | $116 |
| National General | $68 | $139 |
| Kemper | $72 | $146 |
| State Farm | $75 | $155 |
| Nationwide | $75 | $130 |
| Progressive | $77 | $144 |
| The Hartford | $85 | $145 |
| Allstate | $88 | $170 |
| AAA | $91 | $190 |
| Amica | $102 | $210 |
| Chubb | $110 | $220 |
| AIG | $114 | $284 |
| Farmers | $123 | $217 |
| UAIC | $125 | $157 |
Cost of Car Insurance for 2019 Toyota Sienna
| Geico | $63 | $138 |
| Travelers | $82 | $153 |
| National General | $86 | $176 |
| State Farm | $92 | $191 |
| Progressive | $97 | $182 |
| The Hartford | $106 | $181 |
| Kemper | $106 | $219 |
| Nationwide | $108 | $186 |
| Allstate | $118 | $228 |
| AAA | $119 | $247 |
| Amica | $136 | $279 |
| Chubb | $136 | $272 |
| AIG | $148 | $371 |
| UAIC | $149 | $187 |
| Farmers | $163 | $289 |
Cost of Car Insurance for 2018 Toyota Sienna
| Geico | $59 | $128 |
| National General | $76 | $157 |
| Progressive | $87 | $163 |
| Travelers | $89 | $165 |
| Kemper | $95 | $192 |
| State Farm | $101 | $211 |
| The Hartford | $104 | $177 |
| AAA | $109 | $227 |
| Nationwide | $116 | $201 |
| Allstate | $117 | $226 |
| Amica | $121 | $248 |
| Chubb | $124 | $248 |
| AIG | $135 | $338 |
| UAIC | $142 | $178 |
| Farmers | $160 | $282 |
Cost of Car Insurance for 2017 Toyota Sienna
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
Cost of Car Insurance for 2016 Toyota Sienna
| Geico | $57 | $125 |
| National General | $73 | $150 |
| Travelers | $88 | $163 |
| Progressive | $89 | $167 |
| Kemper | $97 | $198 |
| State Farm | $100 | $208 |
| The Hartford | $103 | $175 |
| AAA | $107 | $222 |
| Allstate | $117 | $226 |
| Amica | $117 | $239 |
| Chubb | $121 | $240 |
| Nationwide | $122 | $211 |
| AIG | $134 | $334 |
| UAIC | $141 | $176 |
| Farmers | $153 | $269 |
Toyota Sienna Insurance Cost by Trim
Toyota Sienna insurance costs range from $63 to $260 monthly, with minimum coverage on basic CE Minivan models at the lower end and full coverage on high-performance Platinum variants at the upper end. Your trim's performance features, rarity and market value determine where it falls in this range.
| Ce Minivan | $63 | $122 |
| Le Minivan | $68 | $130 |
| Xle Minivan | $69 | $133 |
| Ce Minivan 4d | $78 | $150 |
| Le Minivan 4d | $81 | $157 |
| Xle Limited Minivan 4d | $85 | $164 |
| Se Minivan 4d | $86 | $166 |
| L Minivan 4d | $87 | $169 |
| Xle Minivan 4d | $88 | $170 |
| Minivan 4d | $90 | $174 |
| Limited Minivan 4d | $92 | $179 |
| Xle Premium Minivan 4d | $93 | $180 |
| Le | $94 | $184 |
| Limited Premium Minivan 4d | $95 | $184 |
| Xse Minivan 4d | $95 | $186 |
| Se Premium Minivan 4d | $98 | $189 |
| Xle | $108 | $210 |
| Xse 25th Anniversary Edition Minivan 4d | $112 | $219 |
| Xse | $113 | $220 |
| Platinum Minivan 4d | $118 | $229 |
| Xle Woodland Edition | $121 | $236 |
| Limited | $123 | $240 |
| Xle Woodland Edition Minivan 4d | $131 | $254 |
| Platinum | $134 | $260 |
How to Lower the Cost of Toyota Sienna Insurance
We've compiled proven strategies to help you find better rates on Toyota Sienna insurance:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Toyota Sienna. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for minivans. This benchmark assists with finding the cheapest car insurance companies offering competitive rates. Understanding typical pricing helps you identify genuinely good deals versus inflated quotes when shopping around.
- 3Look for More than Just Low Rates
Finding quality car insurance means evaluating insurers beyond price alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau records and verify AM Best financial stability. Budget options could provide limited coverage or slower claims service when you need help most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Toyota Sienna owners often qualify for safety features discounts, multi-vehicle savings, policy bundling reductions and good driver rewards. Many insurers also offer discounts for defensive driving courses, military service or professional affiliations that can reduce your premiums.
- 5Consider Alternative Car Insurance Types
Toyota Sienna owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These telematics options track your driving behavior and mileage to deliver premium reductions for safe drivers. Low-mileage drivers in suburban areas like Orange County often see substantial savings through these programs.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons might save up to 24% on your Toyota Sienna insurance. Rate changes happen frequently, and what was competitive last year may no longer offer the best value for your coverage needs.
Toyota Sienna Insurance Cost: Bottom Line
Toyota Sienna insurance runs average in cost, but you can still get decent rates. Shopping multiple companies, claiming available discounts and adjusting your coverage options helps you find better pricing.
Toyota Sienna Insurance Rates: FAQ
What is the average cost of car insurance for a Toyota Sienna?
Toyota Sienna insurance costs average $1,076 annually for minimum coverage and $2,083 for full coverage. These rates make the Sienna relatively affordable to insure among midsize vehicles.
What company has the cheapest car insurance for a Toyota Sienna?
GEICO provides the most affordable minimum coverage for a Toyota Sienna at $720 annually. The insurer also offers the best value for full coverage at $1,560 per year.
Are Toyota Siennas expensive to insure?
No, Toyota Sienna insurance is not expensive compared to most vehicles. The model ranks 373rd out of 827 vehicles for affordability, placing it in the more affordable half. Among vans specifically, it sits at 28th out of 34 models.
What factors affect insurance costs for Toyota Siennas?
Multiple factors affect Toyota Sienna insurance costs, though this minivan offers several advantages. High safety ratings and lower theft rates compared to other vehicles help reduce premiums. Moderate repair costs due to readily available parts also keep rates reasonable. Your driving record, credit score, and coverage selection ultimately determine your final premium.
How can I lower Toyota Sienna insurance costs?
Compare quotes from several insurers since Toyota Sienna pricing differs between companies and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Toyota Sienna Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Toyota Sienna insurance costs.
Who We Based These Rates On
These Toyota Sienna rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.