Toyota Sienna Insurance Cost in Tennessee
Insuring a Toyota Sienna in Tennessee costs about $1,325 a year ($110/month) for full coverage by our estimate — −17% versus the same car nationally — the 18th cheapest of 51 states for this model.
Toyota Sienna insurance in Tennessee at a glance
The Toyota Sienna is about the same as the average vehicle to insure in Tennessee, reflecting HLDI collision losses of 116 and comprehensive losses of 94 (100 = average). Tennessee's own base rates are 18% lower than the national average, which carries through to every model.
Tennessee factors that affect Sienna premiums
- Uninsured drivers: 21.3% of Tennessee drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Sienna.
- Theft: 226 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Tennessee's expected annual losses as relatively low for hail, relatively high for tornado, very low for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.52 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
Toyota Sienna insurance cost in Tennessee cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Nashville | $1,415 | $475 | +7% |
| Memphis | $1,390 | $470 | +5% |
| Knoxville | $1,375 | $465 | +4% |
| Chattanooga | $1,330 | $450 | 0% |
| Clarksville | $1,455 | $495 | +10% |
| Murfreesboro | $1,480 | $500 | +12% |
| Franklin | $1,420 | $480 | +7% |
| Johnson City | $1,335 | $455 | +1% |
| Jackson | $1,305 | $445 | −2% |
| Kingsport | $1,305 | $445 | −2% |
Toyota Sienna insurance in Tennessee by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,235 | $1,790 | $3,645 | $304 |
| Young adult (22) | $720 | $1,040 | $2,120 | $177 |
| Adult in their 30s | $450 | $650 | $1,325 | $110 |
| Adult in their 50s | $415 | $600 | $1,220 | $102 |
| Senior (72) | $500 | $730 | $1,485 | $124 |
| 30s, one at-fault accident | $650 | $945 | $1,925 | $160 |
| 30s, DUI on record | $830 | $1,205 | $2,455 | $205 |
Coverage levels
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $450 | $37 | $370–$530 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $650 | $54 | $535–$765 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,325 | $110 | $1,085–$1,565 |
Tennessee minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Tennessee
| Model | Full coverage in TN | vs. Sienna |
|---|---|---|
| Honda Odyssey | $1,065 | −20% |
| Chrysler Pacifica | $1,140 | −14% |
| Dodge Grand Caravan | $1,205 | −9% |
| Kia Carnival | $1,230 | −7% |
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Toyota Sienna insurance cost in every state · All Toyota models
Frequently asked questions
How much is Toyota Sienna insurance in Tennessee?
About $1,325 a year ($110 a month) for full coverage and $450 for Tennessee's minimum liability, for a driver in their 30s with a clean record. That is 17% less than the national estimate for the same car.
Is the Toyota Sienna cheaper to insure than the average car in Tennessee?
The average vehicle in Tennessee is about $1,325 a year for full coverage in our model, so the Toyota Sienna is about the same as average.
Where in Tennessee is Toyota Sienna insurance cheapest?
Among the largest Tennessee cities, Jackson has the lowest estimate (about $1,305) and Murfreesboro the highest (about $1,480).
What insurance do I need for a Toyota Sienna in Tennessee?
Tennessee requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
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.
- Tennessee Department of Revenue: Financial Responsibility Law
- Tennessee Department of Safety: Do I need SR-22 Insurance?
- NAIC 2022/2023 Auto Insurance Database Report, Table 41 (liability limits history)
- Tennessee Insurance: File an Insurance Complaint
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- IIHS-HLDI insurance losses by make and model
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey