Cheapest Toyota Sienna Car Insurance (2025)

Written by R.E. Fulton and 2 others
Updated Jan 13, 2025
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Cheapest Toyota Sienna Car Insurance (2025)

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How much does Toyota Sienna car insurance cost?

On average, Toyota Sienna drivers spend $85 each month on state minimum car insurance and $155 per month for full coverage. Compared to other popular cars like the BMW X3, Porsche Macan, and Honda Odyssey, the Toyota Sienna is 14% less expensive to insure.

However, there is no real “average” cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Toyota Sienna insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes

Compare the cheapest Toyota Sienna car insurance quotes

This may feel complicated, but it doesn’t have to be. Jerry is a car insurance price comparison tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Toyota Sienna drivers save an average of $1,303 per year on their car insurance.

Check out the table below to see real, free quotes that real people have gotten from Jerry.

Date
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
January 28, 2025 Toyota Sienna Xle Progressive $189 Lucile, 31, Kansas City, MO 50/100 Yes
January 28, 2025 Toyota Sienna Le Bristol West $115 Ethel, 48, Attleboro, MA State Minimum Yes
January 28, 2025 Toyota Sienna Limited Premi Bristol West $68 Jeremy, 54, Irvine, CA 30/60 Yes
January 28, 2025 Toyota Sienna Xle Progressive $110 Nellie, 47, Los Angeles, CA 50/100 No
January 28, 2025 Toyota Sienna Progressive $653 Brett, 45, Brooklyn, NY State Minimum No
Last Updated Jan 30, 2025

However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.

To find out the rate for your Toyota Sienna, you’ll need to get car insurance quotes from at least three insurance companies.

The best car insurance companies for Toyota Sienna owners

There’s no single best insurance company for all Toyota Sienna owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to calculate your premiums.

But that doesn’t mean we can’t find the best insurance company for you.

Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco4.64.444.5
Travelers4.54.24.44.5
Progressive4.33.93.94.3
AAA4.243.84.4
Allstate4.23.63.84.2
USAA43.54.54.2
State Farm43.43.84.2
Farmers43.44.13.9
Geico3.93.33.94
Liberty Mutual3.73.23.53.7

How we gathered this data

Jerry conducted one of the largest car insurance surveys in the U.S., gathering insights from 45,000 policyholders across all 50 states over 24 months. These policyholders, insured by 87 different companies, shared their experiences to help us assess satisfaction in key areas: policy cost, customer service, buying and renewal processes, and claims handling. All scores reflect feedback from real customers.

How much car insurance do you need for a Toyota Sienna?

The average cost of Toyota Sienna insurance is $155 per month for full coverage and $85 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.

CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Toyota Sienna$155$85
  • Minimum coverage insurance is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.
  • Full coverage insurance provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

While knowing auto insurance averages can be useful, getting personalized quotes is the best way to shop for insurance. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.

Check out the table below to see the average cost of auto insurance for some popular Toyota Sienna trims.

CarMonthly minimum coverage costMonthly full coverage cost
Sienna Toyota Base$57$202
Sienna Toyota CE$85$134
Sienna Toyota LE$88$165
Sienna Toyota Limited$51$133
Sienna Toyota XLE$78$156

Toyota Sienna insurance cost by model year

The more recently your Toyota Sienna was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Toyota Siennas provided by Jerry to better understand how your driver profile might affect your cost.

2023 Toyota Sienna car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here’s what Jerry drivers pay to insure their 2023 Toyota Sienna:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2023 Bristol West $220 Nannie, 49, Malden, MA State Minimum Yes
Sienna 2023 Progressive $77 Francis, 35, Saint Joseph, MO State Minimum No
Sienna 2023 National General $119 Sue, 52, Irvine, CA 50/100 Yes
Sienna 2023 National General $237 Eliza, 36, Jacksonville, NC 50/100 Yes
Sienna 2023 Assurance America $460 Allen, 26, North Charleston, SC State Minimum Yes
Last Updated Jan 29, 2025

2022 Toyota Sienna car insurance quotes

It’s important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Toyota Sienna drivers below:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2022 Safeco $64 Louise, 40, Mount Holly, NC State Minimum No
Sienna 2022 Progressive $470 Tillie, 58, Bronx, NY State Minimum Yes
Sienna 2022 Safeco $244 Travis, 35, Princeton, TX State Minimum Yes
Sienna 2022 Progressive $144 Cornelia, 27, Lancaster, CA 25/50 Yes
Sienna 2022 Progressive $1,078 Callie, 42, Brooklyn, NY State Minimum No
Last Updated Jan, 2025

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Toyota Sienna:

2021 Toyota Sienna car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2021 National General $281 Evan, 35, York, PA State Minimum Yes
Sienna 2021 Aspire Advantage $52 Harry, 49, Upland, CA 30/60 No
Sienna 2021 Progressive $205 Isabella, 44, Bellevue, WA 100/300 Yes
Sienna 2021 Bristol West $299 Lula, 53, Las Vegas, NV State Minimum Yes
Sienna 2021 Electric $563 Catherine, 65, San Antonio, TX State Minimum Yes
Last Updated Jan 24, 2025

If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Toyota Sienna with our real quote examples below:

2020 Toyota Sienna car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2020 Bristol West $399 Jeremy, 48, Omaha, NE State Minimum Yes
Sienna 2020 Bristol West $246 Cameron, 44, Egg Harbor City, NJ 25/50 No
Sienna 2020 National General $69 Dennis, 55, Huntington Beach, CA State Minimum No
Sienna 2020 Progressive $249 Catherine, 48, Las Vegas, NV State Minimum Yes
Sienna 2020 Progressive $73 Joseph, 73, Edinburg, TX State Minimum Yes
Last Updated Jan, 2025

2019 Toyota Sienna car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2019 Progressive $110 Harriet, 69, Houston, TX State Minimum No
Sienna 2019 Aspire Advantage $264 Justin, 31, Daly City, CA State Minimum Yes
Sienna 2019 Bristol West $234 Rebecca, 26, Valrico, FL No Coverage No
Sienna 2019 Progressive $228 Herman, 56, Kissimmee, FL No Coverage Yes
Sienna 2019 Bristol West $336 Verna, 51, Orlando, FL No Coverage Yes
Last Updated Jan 29, 2025

2018 Toyota Sienna car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2018 Bristol West $941 Leo, 62, Salem, MA State Minimum Yes
Sienna 2018 Aspire Advantage $163 Theresa, 49, Adelanto, CA State Minimum Yes
Sienna 2018 Clearcover $257 Evelyn, 58, Clifton, VA 100/300 Yes
Sienna 2018 Mendota $227 Eleanor, 69, Forney, TX 50/100 Yes
Sienna 2018 National General $35 Dominic, 48, Hazel Green, AL State Minimum No
Last Updated Jan 23, 2025

2017 Toyota Sienna car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2017 Bristol West $47 Augusta, 41, Le Raysville, PA State Minimum No
Sienna 2017 Progressive $68 Johanna, 52, Sacramento, CA 100/300 Yes
Sienna 2017 Progressive $222 Lola, 37, Peoria, IL 50/100 Yes
Sienna 2017 Bristol West $263 Earl, 45, Berlin, CT State Minimum Yes
Sienna 2017 Bristol West $347 Alvin, 30, East Saint Louis, IL State Minimum Yes
Last Updated Jan 24, 2025

2016 Toyota Sienna car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2016 Progressive $300 Lulu, 51, North Las Vegas, NV State Minimum Yes
Sienna 2016 Progressive $462 Joel, 59, Brooklyn, NY State Minimum No
Sienna 2016 Progressive $410 Loretta, 36, Brooklyn, NY 50/100 Yes
Sienna 2016 National General $84 Douglas, 34, Oklahoma City, OK State Minimum Yes
Sienna 2016 Bluefire $185 Bertie, 28, El Paso, TX State Minimum Yes
Last Updated Jan, 2025

2015 Toyota Sienna car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2015 Progressive $653 Joel, 45, Brooklyn, NY State Minimum Yes
Sienna 2015 National General $157 Irene, 25, Los Angeles, CA 30/60 No
Sienna 2015 Embark General $1,178 Brett, 33, Fall River, MA State Minimum Yes
Sienna 2015 Safeco $140 Ralph, 47, Manassas, VA 30/60 Yes
Sienna 2015 Progressive $124 Mabel, 45, Lynchburg, VA 50/100 Yes
Last Updated Jan 23, 2025

2014 Toyota Sienna car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2014 National General $182 Aaron, 42, Columbus, OH State Minimum Yes
Sienna 2014 Dairyland $202 Elizabeth, 42, Houston, TX State Minimum No
Sienna 2014 Aspire Advantage $44 Rose, 54, Bakersfield, CA No Coverage No
Sienna 2014 National General $261 Adelaide, 27, Salt Lake City, UT 30/65 Yes
Sienna 2014 Aspire Advantage $37 Elva, 52, Oakland, CA State Minimum No
Last Updated Jan 23, 2025

2013 Toyota Sienna car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Sienna 2013 Bristol West $98 Lida, 76, Rowland Heights, CA 30/60 No
Sienna 2013 Progressive $67 Lewis, 47, Suwanee, GA State Minimum No
Sienna 2013 Progressive $75 Lucinda, 78, Buffalo Junction, VA 100/300 Yes
Sienna 2013 Mendota $253 Callie, 39, Laredo, TX 50/100 Yes
Sienna 2013 National General $133 Lloyd, 58, Sacramento, CA State Minimum Yes
Last Updated Jan 23, 2025

Are Toyota Siennas expensive to insure?

The average Toyota Sienna insurance rate is $85 per month. Compared to the national average for other models from a similar price range, it is 14% less expensive to insure a Toyota Sienna.

CarMonthly minimum coverage costMonthly full coverage cost
Toyota Sienna$85$155
Mini Cooper$90$166
Jeep Cherokee$91$170
Buick Lucerne$91$164
Ford Freestar$100$137

Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Toyota Sienna safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums.
The two best-known vehicle safety rating organizations are:

  • Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests.

See the tables below for a detailed look at safety ratings for the Toyota Sienna.

Insurance Institute for Highway Safety (IIHS) Rating

Rating typeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap front: original testGood
Side: original testGood
Side: updated testGood
Roof strengthGood
Head restraints & seatsGood
HeadlightsGood
Front crash prevention: vehicle-to-vehicleSuperior
Front crash prevention: vehicle-to-pedestrian (day)Advanced
Front crash prevention: vehicle-to-pedestrian (night)Advanced
Seat belt remindersGood
LATCH ease of useGood

Toyota Sienna safety features

The safety features of a model will also impact your insurance costs.

A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features.

The Toyota Sienna has a variety of safety features. Learn more about them below.

Safety featureDescription
Knee airbagsKnee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.
Security systemThe vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used.
Stability controlStability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle.
Anti-lock brakesABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking.
Front-impact airbagsFront-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
PretensionersSeatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.
Overhead airbagsOverhead airbags are used to protect the occupant’s heads in the event of a side collision or rollover.
Side impact airbagsSide impact airbags for the front and rear seats have been designed to protect the torso during a side impact collision.

What other factors affect Toyota Sienna insurance rates?

Many factors influence your car insurance rate, such as:

  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Toyota Sienna insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. Car insurance rates for seniors tend to be higher for several reasons.

Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.

Toyota Sienna insurance cost for drivers with driving violations

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.

If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:

  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Toyota Sienna drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.

Jerry is proud to help Toyota Sienna drivers with varying speeding tickets save on car insurance.

Speeding Type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Speeding Violation-Minor Toyota Sienna Xle Progressive $462 Sarah, 59, Brooklyn, NY State Minimum No
Speeding Violation-Major Toyota Sienna Le Progressive $205 Charlotte, 44, Bellevue, WA 100/300 Yes
Speeding Violation-Major Toyota Sienna Ce Progressive $97 Lillian, 27, Azle, TX State Minimum No
Speeding 16-20 Toyota Sienna Xle Safeco $140 Ralph, 47, Manassas, VA 30/60 Yes
Speeding Violation-Minor Toyota Sienna Xse Progressive $144 Elizabeth, 27, Lancaster, CA 25/50 Yes
Last Updated Jan 23, 2025

Cheapest car insurance for Toyota Sienna drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.

You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Toyota Sienna drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance for Toyota Sienna drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history.

If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Toyota Sienna drivers save on car insurance after car accidents.

Accident type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Not At Fault Toyota Sienna Xle Electric $147 Stanley, 28, Fredericksburg, VA 50/100 No
At Fault With No Injury Toyota Sienna Progressive $317 Jesse, 51, North Las Vegas, NV State Minimum No
At Fault With No Injury Toyota Sienna Progressive $668 Eugenia, 45, Brooklyn, NY State Minimum Yes
At Fault With No Injury Toyota Sienna Le Commonwealth Insurance $79 Todd, 29, El Paso, TX State Minimum No
At Fault With No Injury Toyota Sienna Xle Progressive $442 Roy, 57, Brooklyn, NY 100/300 Yes
Last Updated Jan 29, 2025

Cheapest car insurance for Toyota Sienna drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.

We’ve compiled a list of various other driving violations and how we helped Toyota Sienna drivers with these violations save on their car insurance.

Violation
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Other Minor Toyota Sienna Xle Bristol West $98 Lida, 76, Rowland Heights, CA 30/60 No
DUI Toyota Sienna Ce Anchor General $88 Mayme, 36, San Leandro, CA 30/60 No
Improper Passing Toyota Sienna Ce National General $42 Antonio, 36, Seaside, CA 30/60 No
Failure to Stop Toyota Sienna Le National General $182 Aaron, 42, Columbus, OH State Minimum Yes
Failure to Obey Signal Toyota Sienna Le Progressive $1,178 Callie, 73, Fort Worth, TX State Minimum No
Last Updated Jan 23, 2025

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle.

  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can reduce coverage on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
  • Bundle your insurance policies: Bundling your homeowners and auto insurance with the same company can amount to a lower overall bill.
MEET OUR EXPERTS
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R.E. Fulton
  • Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

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Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

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Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.