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Compare the Cost of Toyota Sienna Insurance by Model Year and Company
MoneyGeek found that the cost of insurance for a Toyota Sienna is $1,126 per year on average. It is relatively inexpensive to insure, as Toyota Sienna insurance costs are lower than the average car model. However, these rates can vary depending on how old your car is and the insurer you choose.
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Advertising & Editorial DisclosureLast Updated: 8/23/2022
Written By |
Mark Fitzpatrick
It pays to shop around when looking for insurance for your Toyota Sienna. Different car insurance companies may offer varying rates depending on your car’s model year. Comparing insurance quotes from different companies can also help you secure the best deal.
Key Takeaways for Toyota Sienna Insurance
On average, the insurance rate for a Toyota Sienna costs $1,126 per year. That’s $301 lower than the average across all car models.
The cost to insure a Toyota Sienna varies by as much as $394 per year depending on which car insurance company you choose.
Depending on how old your car is, the cost of insurance for a Toyota Sienna can change by as much as $419 a year, with older cars getting cheaper rates.
How Much It Costs to Insure a Toyota Sienna and the Cheapest Company
The company you choose to insure your Toyota Sienna can have a significant impact on your insurance rates. On average, it costs $1,126 per year to insure a Toyota Sienna.
GEICO offers the cheapest car insurance for a Toyota Sienna at an average of $973 per year. Allied offers the most expensive policy at an average of $1,367 annually. That’s a potential difference of $394 yearly.
The Average Annual Cost of Toyota Sienna Insurance by Company
MoneyGeek used a sample drive profile to gather information about insurance rates for the Toyota Sienna. In this case, the driver was a 40-year-old male with a 100/300/100 liability insurance policy as well as comprehensive and collision coverage.
The Average Cost to Insure a Toyota Sienna by Company
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- CompanyAverage Annual Rates
- 1.$973
- 2.$1,019
- 3.$1,022
- 4.$1,170
- 5.$1,196
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Is a Toyota Sienna Expensive to Insure?
Insurers use several factors to determine insurance rates for a Toyota Sienna. These include details such as the car’s value, theft rates and engine power.
The Toyota Sienna is inexpensive to insure. One reason for this is because it’s considered a low-value car, which means that it is not as expensive to repair. As a result, insurers may charge less to cover this car.
The Best Car Insurance Company for a Toyota Sienna
Cost is an important consideration when choosing an insurer, but there are other factors you should look into as well. MoneyGeek’s rating system, which examined factors like customer satisfaction, affordability and financial stability, found that:
- USAA is the best car insurance company for a Toyota Sienna, but it is only available for military members and their families.
- GEICO is the second-best and most widely available insurance company for a Toyota Sienna.
1
USAA
Score:96
2
GEICO
Score:90
3
Progressive
Score:87
4
State Farm
Score:80
5
Nationwide
Score:79
6
Allstate
Score:73
7
Allied
Score:NaN
How Much It Costs to Insure a Toyota Sienna by Model Year
Older Toyota Siennas tend to be cheaper to insure because as a car’s value depreciates, collision and comprehensive insurance become cheaper as well.
A 2005 Toyota Sienna costs an average of $925 per year to insure, while a 2020 model is $1,344 per year on average. That’s an annual difference of roughly $419.
Here are the average costs of insurance for varying model years of the Toyota Sienna:
- 2005 Toyota Sienna: $925 per year
- 2010 Toyota Sienna: $1,022 per year
- 2016 Toyota Sienna: $1,212 per year
- 2017 Toyota Sienna: $1,252 per year
- 2018 Toyota Sienna: $1,291 per year
- 2019 Toyota Sienna: $1,321 per year
- 2020 Toyota Sienna: $1,344 per year
Depending on the model year, different insurers may offer cheaper coverage. Progressive offers the cheapest insurance for the 2020 Toyota Sienna at an average of $1,142 per year.
Scroll to your vehicle’s model year to compare rates among insurers.
The Average Cost to Insure a Toyota Sienna by Model Year
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- CompanyAverage Annual Rates (2020 model)Average Annual Rates (2019 model)Average Annual Rates (2018 model)Average Annual Rates (2017 model)Average Annual Rates (2016 model)Average Annual Rates (2010 model)Average Annual Rates (2005 model)
- 1.$1,157$1,140$1,120$1,092$1,064$863$807
- 2.$1,206$1,189$1,168$1,140$1,111$921$838
- 3.$1,142$1,129$1,114$1,093$1,071$1,000$875
- 4.$1,415$1,391$1,361$1,321$1,280$1,062$924
- 5.$1,317$1,308$1,296$1,281$1,265$1,168$1,035
How Expensive Is It to Insure a Toyota Sienna Compared to Other Cars?
Some car models are more expensive to insure than others. The average cost of insurance for a Toyota Sienna is $1,126 per year. This is $301 less than the average insurance cost across all car models, making it inexpensive to insure the Toyota Sienna compared to other vehicles.
How Much It Costs to Insure a Toyota Sienna for 16- to 25-Year-Olds
Given their inexperience on the road, younger drivers could pay significantly higher insurance rates.
An 18-year-old driver with a Toyota Sienna pays an average of $3,674 per year for insurance. A 40-year-old driver pays an average annual premium of $2,548 less for the same car.
Teens and their parents can often save money by being on the same policy, as it is almost always more expensive for teens to buy a policy on their own.
Below are the costs of insurance for young drivers ages 16 to 25.
The Average Cost to Insure a Toyota Sienna by Driver Age
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- AgeAverage Annual Rates
- 16$4,710
- 17$4,173
- 18$3,674
- 19$2,631
- 20$2,349
How Does Location Affect the Cost of Toyota Sienna Insurance?
The costs listed are based on a national average, so it’s important to remember that your location can greatly affect your insurance rates. Our state page analysis can give you more information about insurance costs in individual states.
FAQs About Toyota Sienna Insurance
The model of your car can significantly impact your insurance costs, but it’s just one of the various factors insurers consider when calculating premiums. To help you learn more, here are some of the most frequently asked questions about insurance for a Toyota Sienna.
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Methodology
MoneyGeek used a sample driver profile to collect thousands of insurance rates for the Toyota Sienna across all available model years. In this case, the driver is a 40-year-old male who has a full coverage policy with:
- $100,000 in bodily injury liability insurance per person
- $300,000 in bodily injury liability insurance per accident
- $100,000 in property damage liability insurance per accident
- Comprehensive and collision insurance with a $1,000 deductible
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