Toyota Sienna Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Sienna costs about the same to insure as the average truck.

• Full coverage for a Sienna usually averages about $129 a month, while liability only car insurance rates tend to be around $70.

• The cheapest insurance carrier for a Sienna is Hallmark, who offers liability only coverage for as little as just $31 monthly, on average.

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Sienna Overview

With a base price of just $34,460 for new 2021 models, the Toyota Sienna is a great budget-friendly truck for drivers of all types. While it is on the affordable end of the spectrum when it comes to overall price point, it's also a great choice for your budget when considering your car insurance prices.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that average Toyota Sienna car insurance premiums run about $139 a month. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Toyota Sienna?

You'll see in the table above that Toyota Sienna insurance prices are less expensive than average. Sienna drivers normally pay around $129 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $70 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When compared to other models, the Sienna is cheaper, with premiums more than 10% lower than Toyota's other vehicle offerings. Compared to truck offerings from other brands, insurance for a Sienna is more expensive than average, with liability insurance rates averaging exactly the same rates, but full coverage insurance premiums coming in at 1% more than other trucks.

When compared to all vehicles, regardless of body style, model, or make, liability only prices run about the same for the Sienna, while full coverage auto insurance is cheaper than average.

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Who has the Cheapest Car Insurance for a Toyota Sienna?

Are you searching for an auto insurance policy for your Toyota Sienna? You're probably most interested in which company offers the most affordable premiums. Even though costs will typically be pretty different from person to person, the most affordable average rates for liability only insurance are as cheap as just $26 monthly from Acceptance. With car insurance as low as just $31 per month, Hallmark is the next lowest insurance carrier.

Dairyland, CaliforniaCasualty, and Shelter Mutual finish off the rest of the top 5. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Toyota Sienna.

After all, your results might be different, since car insurance carriers look at several different factors when calculating premiums. There's only one way to make sure you find the most affordable possible rates, and that's by analyzing quotes from an array of auto insurance companies.

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What Factors Affect Car Insurance Rates for a Toyota Sienna?

There are numerous things that car insurance carriers take into account to decide how much to charge for a policy -- and every company weighs different attributes more heavily than others, so there's not one single carrier that's the cheapest for each Sienna owner.

The sections below show multiple variables auto insurance companies use to calculate rates:

Vehicle Age

The Toyota Sienna has been around for a while -- that means vehicle age will likely make a difference in what you end up paying for insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.

Based on the above table, the Toyota Sienna is in line with this trend, as the most expensive models to insure are those that are 4 to 5 years old, while on average, the cheapest models are Siennas that are 8 to 10 and 15 or more years old.

Your Age

How old you are plays a significant role in how much you pay for car insurance. Based on the information in the table above, drivers with more experience on the road pay less for insurance compared to younger Sienna drivers. Toyota Sienna drivers under 18 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group for Sienna drivers being 65 years and older.

Your Gender

Because women are less likely to get tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, insurance carriers will often charge women less than men. When it comes to Sienna drivers specifically, women pay around $66 a month for auto insurance and men pay about $75.

Where You Live

You're probably already aware that factors such as how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live can be just as important? Because auto insurance is regulated on a state-by-state basis, prices can fluctuate quite a bit depending on what state you live in.

For example, the average Toyota Sienna driver from New York pays around $170 per month for liability coverage. Meanwhile, the same owner in California will pay less than 50% of that price, on average. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

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Toyota Sienna Car Insurance Discounts

Whatever your home state, your car, or your age, it's always in your best interest to take advantage of as many insurance discounts as possible.

While no two auto insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for drivers who agree to pay their entire policy premium at once, rather than by monthly payments
• Multi-vehicle discounts for adding more than one car to your auto policy

These are just a few of the discounts car insurance companies offer, and some of the best ways to save are just by having a positive insurance profile and good driving history.

Although you can't control every single aspect of your insurance profile (like some of the variables we mentioned above), you do have a say over some of it. Below are just a few of the ones you can use in your favor when it comes to cost savings:

Your Driving Record

You've probably seen ads from auto insurance carriers offering big discounts for responsible drivers. And you're probably not surprised to hear that your car insurance premiums will get higher if you get a ticket for speeding or get into an accident. But you still might be left wondering exactly how much collisions and moving violations will cost you.

As you can see, accidents will usually cost Sienna drivers more than tickets, but both will result in higher than normal rates. Toyota Sienna drivers with one ticket will pay an average of $74 monthly, while drivers with a single accident on their record pay about $83 a month (up $13 from the $70/mo. overall average). The rates only go up the more collisions you have or tickets you get.

How Much You Drive

Another variable that plays a big role in your insurance rates is the total distance you drive each year. Drivers who are on the roads less often are more likely to go accident-free, so they'll normally get less expensive prices. Based on the table above, you can see that Toyota Sienna owners who drive between 7,500 and 10,000 miles pay $76 for car insurance, while those who drive between 5,000 and 7,500 miles per year pay an average of $65 a month.

But if you don't drive much because you work from home or have a second vehicle, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Toyota Siennas Compare to Other Vehicles?

If you're considering making a Toyota Sienna your next purchase, it can pay off to do your research. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.

Take a look at the table below to see how the Toyota Sienna stacks up:

With an MSRP that's a quarter less than the going rate for a new vehicle, the Toyota Sienna is a fantastic value when it comes to price. The Sienna retails at $34,460, which is quite a bit lower than the national average vehicle price of $46,179.

Similarly, insurance premiums run below average when compared to the rest of the vehicle market. Full coverage insurance for a Toyota Sienna is about $16 a month cheaper than average, while liability only coverage is more than $30 less monthly.

When it comes to usage, Toyota Sienna drivers are near the national average in annual miles driven, with 11,514 miles every year compared to 11,660 for all vehicles.

Toyota Sienna Car Insurance Costs by Model Year

So far, you've seen how different things affect how much you might pay for car insurance. If you're considering buying a new vehicle and the Sienna is one you're thinking about, having a good idea of exactly how much you'll pay can be extremely valuable as you weigh your options.

For this reason, we've decided to break down Toyota Sienna auto insurance prices by model year. Choose a specific Sienna model year in the dropdown below and see average rates for both full coverage and liability only insurance, as well as some other helpful info, such as the base MSRP, who offers the lowest policies, which trim levels are offered for each Sienna model year.

Choose Your Model

2021 Toyota Sienna Car Insurance 2020 Toyota Sienna Car Insurance 2019 Toyota Sienna Car Insurance 2018 Toyota Sienna Car Insurance 2017 Toyota Sienna Car Insurance 2016 Toyota Sienna Car Insurance 2015 Toyota Sienna Car Insurance 2014 Toyota Sienna Car Insurance 2013 Toyota Sienna Car Insurance 2012 Toyota Sienna Car Insurance 2011 Toyota Sienna Car Insurance 2010 Toyota Sienna Car Insurance

2021 Toyota Sienna Car Insurance

If you're searching for a brand new Toyota Sienna, you've got plenty of options. With a base MSRP of $34,460, the 2021 Sienna is offered in five different trim levels, which means you'll have your pick of quite a few styles.

When it comes to insurance, it costs around $50 per month, on average, to insure a 2021 Toyota Sienna for liability only and $153 a month for full coverage. And if you want the cheapest insurance possible, Mercury offers liability only policies for sometimes as little as $28 per month.

While it's great to know the average price drivers pay for insurance, the only way to find out exactly what you'll pay is to get a personalized quote. Luckily, with Compare.com you can compare quotes from a variety of companies at once, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2020 Toyota Sienna Car Insurance

If you're looking to buy a 2020 Sienna or already own one, you can expect an average auto insurance rate of about $87 for liability or $157 for full coverage.

And if you're just looking for the lowest insurance for your Sienna, Infinity offers liability only policies for sometimes as low as $36 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2019 Toyota Sienna Car Insurance

It costs around $102 monthly for liability or $175 for a full coverage policy for the 2019 Sienna.

With rates as little as $25 per month, Dairyland offered the most affordable policy we found.

If you want to find the best premiums for car insurance for a 2019 Toyota Sienna, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2018 Toyota Sienna Car Insurance

The average cost to insure a 2018 Toyota Sienna with liability only coverage is $73 monthly, while full coverage runs about $163 a month.

MetroMile offered the cheapest policy we found, with rates as cheap as $23 per month.

Want to find the most affordable rates? Enter your ZIP code below to get multiple free personalized quotes.

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2017 Toyota Sienna Car Insurance

You can expect full coverage for a 2017 Sienna to run around $151 a month, while liability only coverage will average about $85 monthly.

Liberty Mutual has rates sometimes as cheap as $23 a month for the 2017 Toyota Sienna.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2016 Toyota Sienna Car Insurance

On average, drivers who own a 2016 Toyota Sienna can expect to pay $97 to $137 per month for liability only and full coverage insurance, respectively.

With prices as low as $21 monthly, StateAuto offered the lowest policy we found for the 2016 Toyota Sienna.

Want to know exactly what your car insurance price will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing a bunch of personalized quotes from the nation's top insurance carriers.

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2015 Toyota Sienna Car Insurance

2015 Sienna drivers can expect to pay an average of $83 a month for liability or $130 for full coverage.

If you're looking for the cheapest possible 2015 Toyota Sienna insurance policy, Shelter Mutual offered the cheapest policy we found, with rates sometimes as low as $17 per month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2015 Toyota Sienna, you can get free quotes in minutes by just entering your ZIP code below.

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2014 Toyota Sienna Car Insurance

It costs around $72 monthly for liability or $138 for a full coverage policy for the 2014 Toyota Sienna.

We found Aspire offered the lowest policy, with rates sometimes as little as $19 per month.

What will your car insurance rate be? Just enter your ZIP code below to get several free personalized quotes.

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2013 Toyota Sienna Car Insurance

On average, drivers who own a 2013 Sienna can expect to pay $88 to $134 a month for liability only and full coverage insurance, respectively.

Looking for the most affordable policy? Dairyland offered liability only coverage for as low as $19 monthly.

If you want to know exactly how much you can expect to pay for your Sienna, just enter your ZIP code below and get several free quotes in minutes.

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2012 Toyota Sienna Car Insurance

You can expect full coverage for a 2012 Toyota Sienna to run about $112 per month, while liability only coverage will average around $62 a month.

If you're looking for the lowest possible 2012 Toyota Sienna insurance policy, MetLife offered the lowest policy we found, with rates as cheap as just $24 monthly.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2011 Toyota Sienna Car Insurance

The average cost to insure a 2011 Sienna with liability only coverage is $72 a month, while full coverage runs about $127 monthly.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for as little as just $18 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2010 Toyota Sienna Car Insurance

2010 Toyota Sienna drivers can expect to pay an average of $73 monthly for liability or $131 for full coverage.

Mercury offered the most affordable policy we found, with rates as low as just $21 per month.

Want something more accurate than national averages? Get lots of customized quotes for free by just entering your ZIP code below.

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Toyota Sienna Insurance FAQs

Is a Toyota Sienna expensive to insure?

Liability insurance runs an average of $70 a month, while full coverage will cost you around $129. It costs about the same to insure a Toyota Sienna as insuring the average vehicle.

How can I get the best price on car insurance for my Toyota Sienna?

There's only one way to guarantee you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a multitude of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota Sienna affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's simply not true. Although there are many variables auto insurance carriers examine when they calculate how much you'll pay, your Toyota Sienna's color is not on that list.

Do I need to have insurance before I buy a Toyota Sienna?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid insurance for it. Some dealerships will offer you a car insurance policy as part of the buying process, but it's best to let your car insurance carrier know beforehand.

What car insurance discounts can I get for my Toyota Sienna?

You will find a multitude of different discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your car and more on you, but if your Sienna has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The best way to find out is to get in touch with your insurance company and ask about which discounts they offer.