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
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.
Rates vary by model year and insurer. GEICO is cheapest for the Toyota Sienna at $60 a month for minimum coverage and $130 for full. UAIC charges the most for minimum at $149 and AIG the most for full at $315.
Minimum coverage varies by up to $89 between insurers. Full coverage varies by up to $185.
| 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?
Among 35 vans, the Toyota Sienna ranks 28th for insurance affordability. It's a few dollars a month more than a Nissan NV2500 and a few less than a Chrysler Pacifica.
Across all 827 vehicles in MoneyGeek's database, the Sienna ranks 373rd, putting it in the top half for affordability overall. The Dodge Caravan is cheaper to insure. The Ram ProMaster is more expensive.
| 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 repairs average $757 a year. It's 17th most affordable among 32 Toyota models. Mid-range maintenance costs keep premiums lower than pricier Toyota vehicles.
- Vehicle Trim, Features and Accessories: The Sienna's hybrid powertrain produces 245 horsepower. Higher trims cost more to insure because replacement costs and performance capabilities are greater.
- Driver Profile: Most Sienna drivers are 35 to 50 with a median age around 42, an age range that typically sees lower rates. The Sienna's performance profile can draw higher-risk drivers, which insurers price in. Toyota Sienna costs for young drivers are detailed by model year and age.
Toyota Sienna Insurance Cost by State
Minimum coverage on a Toyota Sienna is $33 a month in Wyoming and $178 in Louisiana. The gap reflects each state's risk factors and regulations, not the vehicle.
| 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
Coverage needs depend on how you own the car.
Own it outright (lower cost):
- State minimum liability requirements
- Comprehensive and collision with a $1,000 deductible
Own it outright (more coverage):
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
- 2Research Costs and Cheap Companies
Check average auto insurance costs for minivans before you shop. That number tells you whether a quote is competitive. Use it alongside a list of the cheapest car insurance companies to find a better price.
- 3Look for More than Just Low Rates
Price isn't everything with car insurance. Check J.D. Power satisfaction ratings, Better Business Bureau records and AM Best financial stability scores. Forum reviews on claims handling are worth reading too. A cheap policy with slow or disputed claims can cost more than a slightly higher premium from a reliable insurer.
- 4Check Discounts You Qualify For
Check every car insurance discount before buying. Toyota Sienna owners commonly qualify for safety features discounts, multi-vehicle discounts, bundling discounts and good driver discounts. Defensive driving courses, military service and professional affiliations are also worth asking about.
- 5Consider Alternative Car Insurance Types
Usage-based programs like Progressive Snapshot or Allstate Drivewise track your driving and lower premiums for safe habits. Low-mileage drivers see the biggest savings.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies each year. Insurers don't tell you when competitors drop their prices. Annual comparisons can save up to 24%, so set a reminder at each renewal.
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?
The Toyota Sienna has high safety ratings, low theft rates and moderate repair costs, which are factors that keep premiums below average for its class. Your driving record, credit score and coverage level are the biggest determinants of your final rate.
How can I lower Toyota Sienna insurance costs?
Compare quotes from at least three insurers because Sienna pricing varies between companies. Ask about usage-based programs that track your driving. Claim every available discount, bundle policies and keep your record clean.
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
Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.