Annual full coverage car insurance costs for a Toyota Sienna range from $1,012 to $5,596. Rates depend on the model year, age, location, driving history, coverage level and insurer. MoneyGeek breaks down Sienna insurance costs and coverage, highlighting the best and most affordable options.
Toyota Sienna Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm offers the most affordable annual minimum coverage rate of $474 for all Toyota Sienna model years.
For a Toyota Sienna, the average annual cost is $582 for minimum coverage and $1,288 for full coverage.
MoneyGeek analyzed data and 4,183 Toyota Sienna insurance quotes from Quadrant Information Services to ensure reliable insights.
Toyota Sienna Insurance Rates
What Is the Average Toyota Sienna Car Insurance Cost?
The average full coverage insurance cost for a Toyota Sienna is $107 per month or $1,288 per year, based on a 40-year-old male driver with a clean record. Minimum coverage averages $48 monthly or $582 annually.
| Minimum Coverage | $582 |
| Full Coverage | $1,288 |
Toyota Sienna Insurance Costs by Company
Annual insurance costs for a Toyota Sienna range from $1,046 to $1,758, varying by age, model year and coverage level. The table below compares average Sienna insurance rates with the averages for all vehicles from several national and midsize providers.
| Allstate | $1,365 | $1,814 | -25% |
| Auto-Owners | $1,100 | $1,227 | -10% |
| Farmers | $1,567 | $1,958 | -20% |
| GEICO | $1,170 | $1,333 | -12% |
| Kemper | $1,758 | $2,215 | -21% |
| Nationwide | $1,395 | $1,589 | -12% |
| Progressive | $1,504 | $1,744 | -14% |
| State Farm | $1,125 | $1,270 | -11% |
| Travelers | $1,339 | $1,522 | -12% |
| USAA | $1,046 | $1,201 | -13% |
Read more: Best Car Insurance Companies
Cost of Insuring a Toyota Sienna by Model Year
The year your Toyota Sienna was made impacts insurance costs, with older models typically costing less. For example, full coverage for a 2022 model costs $1,454 annually compared to $1,120 for a 2009 model. Below are the average full and minimum coverage rates for each production year.
| 2022 | $583 | $1,454 |
| 2021 | $592 | $1,449 |
| 2020 | $573 | $1,427 |
| 2019 | $599 | $1,411 |
| 2018 | $602 | $1,388 |
| 2017 | $580 | $1,356 |
| 2016 | $603 | $1,322 |
| 2015 | $603 | $1,289 |
| 2014 | $580 | $1,254 |
| 2013 | $602 | $1,218 |
| 2012 | $601 | $1,183 |
| 2011 | $578 | $1,162 |
| 2010 | $601 | $1,141 |
| 2009 | $600 | $1,120 |
Toyota Sienna Insurance Costs by Driver Age
Toyota Sienna insurance rates vary significantly with driver age. For instance, 16-year-olds face an average annual full coverage rate of $5,596, while 40-year-olds pay around $1,298. Below are the average minimum and full coverage rates for drivers of different ages.
| 16 | $2,695 | $5,596 |
| 17 | $2,190 | $4,565 |
| 18 | $1,911 | $4,017 |
| 19 | $1,357 | $2,867 |
| 20 | $1,219 | $2,605 |
| 21 | $968 | $2,103 |
| 22 | $883 | $1,933 |
| 23 | $819 | $1,804 |
| 24 | $777 | $1,716 |
| 25 | $691 | $1,536 |
| 26 | $674 | $1,490 |
| 27 | $658 | $1,457 |
| 28 | $647 | $1,434 |
| 29 | $637 | $1,414 |
| 30 | $615 | $1,364 |
| 35 | $599 | $1,322 |
| 40 | $593 | $1,298 |
| 45 | $588 | $1,282 |
| 50 | $574 | $1,243 |
| 55 | $559 | $1,209 |
| 60 | $559 | $1,205 |
| 65 | $595 | $1,254 |
| 70 | $646 | $1,343 |
| 75 | $717 | $1,472 |
| 80 | $812 | $1,639 |
| 85 | $878 | $1,759 |
| 90 | $927 | $1,843 |
Toyota Sienna Insurance Rates Explained
Car insurance rates depend on both driver and vehicle factors. Insurance companies consider your vehicle's features when calculating premiums. Below is a breakdown of these cost factors.
Toyota Sienna Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Toyota Sienna
Average Full Coverage Rate
$1,288Premiums for Toyota Sienna are average:$8 saved
This is 1% less expensive.
Value
The Toyota Sienna's $54,595 MSRP affects how insurers calculate insurance costs.
Repair costs
The Toyota Sienna's annual repair cost is $554, lower than the national average. This can lead to lower insurance costs.
Performance
The Toyota Sienna has 245 horsepower and reaches 60 mph in 7.5 seconds. It isn't considered a high-performance vehicle, which may result in lower insurance costs.
Vehicle age
Newer Toyota Siennas are typically more expensive to insure than older vehicles.
Safety features
The Toyota Sienna's safety features, such as stability control, airbags and antilock brakes, can qualify for insurance discounts. It has a 5-star NHTSA safety rating.
Vehicle size
Larger vehicles like the Toyota Sienna, with a curb weight of 4,725 lbs, may cost more to insure.
Trim level
Higher trim levels with premium upgrades increase the MSRP and insurance costs. Toyota Sienna's higher trims cost more to insure than the base model.
Theft rates
Vehicles at higher risk of theft cost more to insure. The Toyota Sienna has a theft relative claims frequency of 27, which may lead to higher insurance rates.
Cheapest Toyota Sienna Insurance
State Farm offers the cheapest annual minimum coverage rate for a Toyota Sienna at $474, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable auto insurance by coverage level, age group, driving record and model year.
Cheapest Toyota Sienna Insurance by Coverage Level
Your coverage level greatly impacts your Toyota Sienna insurance cost. State Farm provides the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Toyota Sienna Minimum Coverage
State Farm offers the cheapest minimum coverage for Toyota Sienna at $39 per month. GEICO, Travelers and Allstate also provide competitive rates, ranging from $41 to $52.
| USAA | $34 | $411 |
| State Farm | $39 | $474 |
| GEICO | $41 | $494 |
| Travelers | $48 | $579 |
| Allstate | $52 | $629 |
| Nationwide | $53 | $640 |
| Progressive | $54 | $642 |
| Farmers | $57 | $678 |
*State Farm offers non-military-affiliated Toyota Sienna owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Toyota Sienna Insurance Rates by Model Year
Since the above list doesn't consider the model year, lower rates might be available depending on your Toyota Sienna's age. Use the table below to find the cheapest minimum coverage rates for each production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $633 | $53 |
| Farmers | $717 | $60 |
| GEICO | $521 | $43 |
| Nationwide | $656 | $55 |
| Progressive | $632 | $53 |
| State Farm | $468 | $39 |
| Travelers | $616 | $51 |
| USAA | $397 | $33 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Toyota Sienna Insurance
State Farm offers the most affordable full coverage for a Toyota Sienna at $91 per month or $1,092 annually. Below is the complete list of full coverage insurance providers and rates.
| USAA | $84 | $1,012 |
| State Farm | $91 | $1,092 |
| GEICO | $95 | $1,138 |
| Allstate | $109 | $1,312 |
| Nationwide | $110 | $1,315 |
| Travelers | $110 | $1,320 |
| Progressive | $120 | $1,434 |
| Farmers | $123 | $1,473 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Toyota Sienna owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Toyota Sienna Insurance by Age
Young drivers aged 16 to 25 and seniors 55 and older often face higher Toyota Sienna insurance costs. Below is a breakdown of the cheapest options by age group.
Cheapest Toyota Sienna Insurance for Young Drivers
State Farm offers the most affordable auto insurance rates for Toyota Sienna drivers at $86 monthly or $1,032 annually for minimum coverage. Below is the complete list of the lowest rates for Toyota Sienna drivers aged 16 to 25.
| USAA | $71 | $849 |
| State Farm | $86 | $1,032 |
| GEICO | $98 | $1,182 |
| Travelers | $101 | $1,207 |
| Allstate | $121 | $1,456 |
| Nationwide | $139 | $1,672 |
| Progressive | $148 | $1,776 |
| Farmers | $152 | $1,823 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Toyota Sienna Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up for as low as $43 monthly or $521 annually. Below is a full list of affordable Toyota Sienna insurers.
| State Farm | $43 | $521 |
| USAA | $45 | $546 |
| GEICO | $49 | $592 |
| Travelers | $58 | $698 |
| Nationwide | $62 | $750 |
| Allstate | $64 | $767 |
| Progressive | $68 | $819 |
| Farmers | $75 | $905 |
Cheapest Toyota Sienna Insurance After an Accident
For Toyota Sienna drivers, State Farm, GEICO and Travelers are the cheapest insurance providers after an accident. See the complete list below.
| State Farm | $49 | $593 |
| USAA | $52 | $625 |
| GEICO | $65 | $776 |
| Travelers | $68 | $821 |
| Allstate | $71 | $847 |
| Nationwide | $82 | $981 |
| Progressive | $86 | $1,035 |
| Farmers | $111 | $1,332 |
Toyota Sienna Insurance Cost: Bottom Line
Compare rates from multiple providers to find the cheapest car insurance. This article explores Toyota Sienna insurance costs across demographics and highlights the most affordable providers.
Toyota Sienna Insurance Rates: FAQ
Below are answers to common questions about Toyota Sienna insurance costs, helping you understand what to expect when insuring your vehicle.
What company has the cheapest car insurance for a Toyota Sienna?
State Farm offers the cheapest insurance for a Toyota Sienna, with an annual minimum coverage rate of $474.
What is the average cost of car insurance for a Toyota Sienna?
The average annual insurance cost for a Toyota Sienna is $582 for minimum coverage and $1,288 for full coverage.
Toyota Sienna Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Toyota Sienna insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Toyota Sienna:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Toyota Sienna insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Toyota Sienna.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.