Estimates, not quotes

Toyota Sienna Insurance Cost

Full coverage for a Toyota Sienna costs about $1,590 a year ($133/month) by our estimate — ▲ 0% versus the average vehicle, ranking 135th cheapest of 310 current models.

Toyota Sienna exterior (photo from Wikimedia Commons)
Photo: Kevauto, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Toyota Sienna insurance cost at a glance

Full coverage
$1,590
$133/mo · $1,305–$1,880
Minimum liability
$610
$51/mo
Segment
Minivan
Gasoline, Hybrid
HLDI collision losses
116
Worse than average (100 = avg)
NHTSA overall
★★★★★
2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Toyota Sienna.

Estimated Toyota Sienna premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $610 $51 $500–$720
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $885 $74 $725–$1,045
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,590 $133 $1,305–$1,880

What drives the cost of insuring a Toyota Sienna

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota Sienna's results put our vehicle factor at 0.99× for liability, 1.12× for collision and 0.93× for comprehensive.

HLDI relative insurance losses — Toyota Sienna hybrid van (Very large Minivans)
CoverageIndexRatingWhat it measures
Collision116Worse than averageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive94Better than averageTheft, vandalism, glass, weather and animal damage
Property damage liability99AverageDamage this car does to other vehicles and property
Bodily injury liability113Worse than averageInjuries to people in other vehicles (claim frequency)
Personal injury protection119Worse than averageInjuries to occupants of this car (claim frequency)
Medical payments132Much worse than averageInjuries to occupants of this car (claim frequency)
HLDI results by body style / drivetrain (2)
VariantCollisionComprehensiveProp. damageBodily injury
Toyota Sienna hybrid van1169499113
Toyota Sienna hybrid van 4WD104968292
  • Repair and parts costs: Minivan — mainstream parts availability keeps repairs moderate.
  • Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
  • Recalls & complaints: 5 NHTSA recall campaigns and 347 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Toyota Sienna trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

ConfigurationDriveEngineMPG (comb.)
Sienna 2WDFWD2.5L 4-cyl Hybrid36
Sienna AWDAWD2.5L 4-cyl Hybrid35

Toyota Sienna insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model yearEnginesDriveMPGEst. full / yr
20262.5L 4-cyl HybridAWD, FWD35–36$1,590
20252.5L 4-cyl HybridAWD, FWD35–36$1,560
20242.5L 4-cyl HybridAWD, FWD35–36$1,525
20232.5L 4-cyl HybridAWD, FWD35–36$1,490
20222.5L 4-cyl HybridAWD, FWD35–36$1,460
20212.5L 4-cyl HybridAWD, FWD35–36$1,425
20203.5L 6-cylAWD, FWD20–21$1,390
20193.5L 6-cylAWD, FWD20–22$1,360
20183.5L 6-cylAWD, FWD20–22$1,325
20173.5L 6-cylAWD, FWD20–22$1,290
20163.5L 6-cylAWD, FWD19–21$1,260
20153.5L 6-cylAWD, FWD19–21$1,255
20143.5L 6-cylAWD, FWD19–21$1,255
20132.7L 4-cyl, 3.5L 6-cylAWD, FWD19–21$1,255
20122.7L 4-cyl, 3.5L 6-cylAWD, FWD19–21$1,255
20112.7L 4-cyl, 3.5L 6-cylAWD, FWD18–21$1,255
20103.5L 6-cylAWD, FWD18–19$1,255
20093.5L 6-cyl4WD/AWD, FWD18–19$1,255
20083.5L 6-cyl4WD/AWD, FWD18–19$1,255
20073.5L 6-cyl4WD/AWD, FWD18–19$1,255

Toyota Sienna insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Sienna page for that state.

StateFull coverageMinimumvs. nationalSienna page
Alabama$1,390$475−13%Sienna in AL
Alaska$1,400$620−12%Sienna in AK
Arizona$1,665$655+5%Sienna in AZ
Arkansas$1,405$445−12%Sienna in AR
California$1,575$570−1%Sienna in CA
Colorado$1,790$645+13%Sienna in CO
Connecticut$1,695$705+7%Sienna in CT
Delaware$1,770$795+11%Sienna in DE
District of Columbia$2,015$735+27%Sienna in DC
Florida$2,260$1,070+42%Sienna in FL
Georgia$1,965$865+24%Sienna in GA
Hawaii$1,110$430−30%Sienna in HI
Idaho$1,080$400−32%Sienna in ID
Illinois$1,385$495−13%Sienna in IL
Indiana$1,135$400−29%Sienna in IN
Iowa$1,075$305−32%Sienna in IA
Kansas$1,265$400−20%Sienna in KS
Kentucky$1,335$525−16%Sienna in KY
Louisiana$2,195$785+38%Sienna in LA
Maine$1,015$420−36%Sienna in ME
Maryland$1,790$750+13%Sienna in MD
Massachusetts$1,570$590−1%Sienna in MA
Michigan$1,740$760+9%Sienna in MI
Minnesota$1,320$465−17%Sienna in MN
Mississippi$1,520$525−4%Sienna in MS
Missouri$1,440$510−9%Sienna in MO
Montana$1,260$390−21%Sienna in MT
Nebraska$1,265$400−20%Sienna in NE
Nevada$1,825$860+15%Sienna in NV
New Hampshire$1,140$400−28%Sienna in NH
New Jersey$1,915$930+20%Sienna in NJ
New Mexico$1,425$515−10%Sienna in NM
New York$2,130$925+34%Sienna in NY
North Carolina$1,195$445−25%Sienna in NC
North Dakota$1,015$275−36%Sienna in ND
Ohio$1,140$400−28%Sienna in OH
Oklahoma$1,430$470−10%Sienna in OK
Oregon$1,425$620−10%Sienna in OR
Pennsylvania$1,395$420−12%Sienna in PA
Rhode Island$1,925$815+21%Sienna in RI
South Carolina$1,690$730+6%Sienna in SC
South Dakota$1,200$315−25%Sienna in SD
Tennessee$1,325$450−17%Sienna in TN
Texas$1,880$685+18%Sienna in TX
Utah$1,445$650−9%Sienna in UT
Vermont$1,040$315−35%Sienna in VT
Virginia$1,370$620−14%Sienna in VA
Washington$1,385$585−13%Sienna in WA
West Virginia$1,325$435−17%Sienna in WV
Wisconsin$1,085$370−32%Sienna in WI
Wyoming$1,230$325−23%Sienna in WY

Toyota Sienna insurance by driver profile

Estimated annual Toyota Sienna premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,675 $2,430 $4,380 $365
Young adult (22) $975 $1,415 $2,550 $213
Adult in their 30s $610 $885 $1,590 $133
Adult in their 50s $560 $815 $1,465 $122
Senior (72) $685 $990 $1,785 $149
30s, one at-fault accident $885 $1,280 $2,310 $193
30s, DUI on record $1,130 $1,635 $2,945 $245

Toyota Sienna vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Toyota Sienna$1,59011694—
Honda Odyssey$1,2808072Compare
Chrysler Pacifica$1,3757793Compare
Dodge Grand Caravan$1,250——Compare

Estimate Toyota Sienna insurance for your ZIP code

Runs in your browser — nothing you enter is stored or sent to insurers.

Estimated annual premium
—
Per month
—

Other Toyota models

All Toyota insurance costs →

Frequently asked questions

How much is insurance for a Toyota Sienna?

We estimate about $1,590 a year ($133 a month) for full coverage and $610 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is about the same as the average vehicle.

Is the Toyota Sienna expensive to insure?

HLDI insurance-loss data rates it at 116 for collision and 94 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Toyota Sienna?

Maine has the lowest estimate (about $1,015 a year for full coverage) and Florida the highest (about $2,260).

What is the Toyota Sienna's NHTSA safety rating?

The 2026 Toyota Sienna earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Toyota Sienna cheaper to insure than the Honda Odyssey?

By our estimate the Toyota Sienna costs about $1,590 a year versus $1,280 for the Honda Odyssey, making the Honda Odyssey cheaper to insure.

How much is Toyota Sienna insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,380 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page