The Toyota Sienna is a minivan that first debuted in the U.S. in 1998 and is still a popular vehicle today. Once known as the "Camry of Minivans," the Sienna has been released only as a hybrid since the 2021 model. Toyota Sienna insurance ranges from $63-$90 per month for minimum coverage. No matter which type of Sienna you drive, it needs to be protected with the right car insurance.
When it's time to find the best Toyota Sienna insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Toyota Sienna by model year and top-rated insurance company in 2026.
Key Takeaways - Toyota Sienna Insurance Cost 2026
Toyota Sienna insurance costs an average of $2,083 per year, or approximately $174 per month, for full coverage in 2026.
Toyota Sienna insurance costs vary widely by location, with good drivers in Wyoming paying an average of only $33 per month for minimum coverage, while those in Louisiana pay $178.
Progressive, Nationwide, and USAA are the cheapest carriers for model-year 2025 Toyota Sienna insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota Sienna insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota Sienna model.
How Much Does Toyota Sienna Insurance Cost in 2026?
The average Toyota Sienna insurance cost in 2026 is $2,083 per year, or approximately $174 per month, for full coverage. How much is Toyota Sienna insurance if you buy minimum coverage? The average rate for liability-only car insurance for a Sienna is $1,076 per year, or approximately $90 per month, though rates start at $66. Toyota Sienna insurance rates vary by model year, driver profile, and several other factors.
Average Sienna Insurance Cost by Model Year
The cost of Toyota Sienna insurance per month depends in part on the age of your vehicle. Newer vehicles cost more to replace and have a higher value, often leading to higher insurance rates. The table below compares the average Toyota Sienna full-coverage costs and minimum-coverage costs by model year for 2026. These Toyota Sienna insurance by model year rates are based on a 40-year-old driver with a clean record.
| Model Year | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| 2025 | $118 | $230 |
| 2024 | $113 | $219 |
| 2023 | $114 | $223 |
| 2022 | $96 | $187 |
| 2021 | $93 | $181 |
| 2020 | $77 | $149 |
| 2019 | $99 | $192 |
| 2018 | $97 | $188 |
| 2017 | $96 | $186 |
| 2016 | $96 | $186 |
You can get a better estimate of how much your Toyota Sienna auto policy might cost by using our car insurance calculator.
Toyota Sienna Insurance Cost by Trim Level
Toyota Sienna car insurance rates also vary by trim level. Wondering about Toyota Sienna LE vs. XLE insurance costs? A base LE minivan model costs an average of $68 per month for minimum coverage, while the XLE's monthly average rate of $69 is just slightly higher. The table below compares average Toyota Sienna insurance costs by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| CE Minivan | $63 | $122 |
| LE Minivan | $68 | $130 |
| XLE Minivan | $69 | $133 |
| CE Minivan 4d | $78 | $150 |
| LE Minivan 4d | $81 | $157 |
| XLE Limited Minivan 4d | $85 | $164 |
| SE Minivan 4d | $86 | $166 |
| L Minivan 4d | $87 | $169 |
| XLE Minivan 4d | $88 | $170 |
| Minivan 4d | $90 | $174 |
| Limited Minivan 4d | $92 | $179 |
| XLE Premium Minivan 4d | $93 | $180 |
| LE | $94 | $184 |
| Limited Premium Minivan 4d | $95 | $184 |
| XSE Minivan 4d | $95 | $186 |
| SE Premium Minivan 4d | $98 | $189 |
| XLE | $108 | $210 |
| XSE 25th Anniversary Edition Minivan 4d | $112 | $219 |
| XSE | $113 | $220 |
| Platinum Minivan 4d | $118 | $229 |
| XLE Woodland Edition | $121 | $236 |
| Limited | $123 | $240 |
| XLE Woodland Edition Minivan 4d | $131 | $254 |
| Platinum | $134 | $260 |
Toyota Sienna Insurance Cost by Driver Age and Risk Profile
Toyota Sienna insurance costs vary considerably by age and driver profile, making personalized quotes critical to securing the best rate. Toyota Sienna teen driver insurance is much more expensive than for middle-aged adults. Car insurance rates tend to drop dramatically starting around age 25 until about age 65, when they begin to climb again.
Your credit score and driving record can also greatly impact coverage costs. Having a recent accident on your record or poor credit can lead to much higher rates. The table below compares Toyota Sienna coverage costs by age and driver risk profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
|---|---|---|---|
| 17 | $7,679 | $11,207 | $13,120 |
| 18 | $7,127 | $10,466 | $12,238 |
| 19 | $6,307 | $9,237 | $10,821 |
| 20 | $5,463 | $8,053 | $9,447 |
| 21 | $4,609 | $6,755 | $7,912 |
| 22 | $4,496 | $6,587 | $7,705 |
| 23 | $3,936 | $5,761 | $6,736 |
| 24 | $3,720 | $5,468 | $6,369 |
| 25 | $3,175 | $4,763 | $5,547 |
| 30 | $2,518 | $3,684 | $4,325 |
| 35 | $2,366 | $3,480 | $4,065 |
| 40 | $2,223 | $3,345 | $3,848 |
| 45 | $2,214 | $3,236 | $3,794 |
| 55 | $1,989 | $2,960 | $3,494 |
| 65 | $2,104 | $3,122 | $3,606 |
| 75 | $2,648 | $3,870 | $4,565 |
Cheapest Insurance Companies for the Toyota Sienna
Wondering where to find the cheapest car insurance for a Toyota Sienna this year? Progressive has the cheapest coverage rates, starting at an average of just $1,763 per year. The table below shows the best car insurance companies for a model-year 2025 Toyota Sienna in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
|---|---|
| Progressive | $1,763 |
| Nationwide | $1,890 |
| USAA | $1,945 |
| American Family | $1,952 |
| Erie | $2,111 |
| Allstate | $3,663 |
Toyota Sienna Insurance Cost by State
Your location has a significant impact on your car insurance premiums. Drivers in large cities with high theft rates typically pay much higher insurance rates than those who live in smaller towns. Further, state minimum coverage requirements affect the cost of car insurance. The table below compares the average cost of Toyota Sienna insurance by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| Alabama | $77 | $145 |
| Alaska | $64 | $136 |
| Arizona | $109 | $204 |
| Arkansas | $73 | $162 |
| California | $85 | $172 |
| Colorado | $85 | $202 |
| Connecticut | $123 | $211 |
| Delaware | $124 | $208 |
| District of Columbia | $91 | $168 |
| Florida | $118 | $274 |
| Georgia | $130 | $214 |
| Hawaii | $47 | $105 |
| Idaho | $48 | $98 |
| Illinois | $81 | $152 |
| Indiana | $58 | $113 |
| Iowa | $50 | $120 |
| Kansas | $64 | $149 |
| Kentucky | $109 | $185 |
| Louisiana | $178 | $380 |
| Maine | $46 | $96 |
| Maryland | $137 | $231 |
| Massachusetts | $90 | $191 |
| Michigan | $140 | $270 |
| Minnesota | $75 | $156 |
| Mississippi | $80 | $158 |
| Missouri | $106 | $210 |
| Montana | $62 | $148 |
| Nebraska | $65 | $148 |
| Nevada | $155 | $281 |
| New Hampshire | $63 | $111 |
| New Jersey | $146 | $241 |
| New Mexico | $72 | $160 |
| New York | $109 | $195 |
| North Carolina | $74 | $145 |
| North Dakota | $55 | $119 |
| Ohio | $67 | $130 |
| Oklahoma | $83 | $184 |
| Oregon | $106 | $185 |
| Pennsylvania | $78 | $184 |
| Rhode Island | $110 | $196 |
| South Carolina | $88 | $164 |
| South Dakota | $49 | $149 |
| Tennessee | $69 | $139 |
| Texas | $110 | $225 |
| Utah | $95 | $162 |
| Vermont | $41 | $98 |
| Virginia | $84 | $137 |
| Washington | $81 | $150 |
| West Virginia | $77 | $156 |
| Wisconsin | $58 | $127 |
| Wyoming | $33 | $103 |
The tables below compare the least and most affordable states for Toyota Sienna insurance this year.
Least and Most Expensive States for Toyota Sienna Insurance in 2026
| Least Expensive States | Average Monthly Premium |
|---|---|
| Wyoming | $33 |
| Vermont | $41 |
| Maine | $46 |
| Most Expensive States | Average Monthly Premium |
|---|---|
| Louisiana | $178 |
| Nevada | $155 |
| New Jersey | $146 |
How the Sienna's Hybrid Powertrain Affects Insurance
Every Sienna model has been available only as a hybrid since 2021. Toyota Sienna hybrid insurance costs tend to be higher due to the higher cost to repair their components. However, some carriers offer green vehicle discounts for hybrid or electric cars. These discounts may help you break even on coverage costs compared to non-hybrid vehicles.
Toyota Sienna Safety Ratings and What They Mean for Insurance
The National Highway Traffic Safety Administration (NHTSA) gave the Toyota Sienna a 5-star overall safety rating, but only a 3-star rating for the frontal driver-side category. The Insurance Institute for Highway Safety (IIHS) gave the 2024-2025 Sienna a Top Safety Pick rating.
Newer Siennas are equipped with the Toyota Safety Sense 2.0 bundle standard across all trims. Safety features such as brake assist, electronic stability control, lane keeping assist, lane departure warning, and daytime running lights are included in these bundles. The more safety features included in your vehicle, the more positively your car insurance premiums may be affected, with lower rates.
What Kind of Insurance Do You Need for a Toyota Sienna?
There are many options to choose from when building your Toyota Sienna car insurance policy. Consider adding at least the following coverage types for your Toyota Sienna, which are typically required by law.
Bodily Injury Liability
If someone is injured in an accident that you cause while driving your Toyota Sienna, your bodily injury liability coverage can help pay for the damage. This policy can cover legal fees, loss of income, pain and suffering, medical expenses, and funeral costs.
Property Damage Liability
If you cause an accident while driving your Toyota Sienna, property damage liability coverage can pay for repairs to the other party's vehicle and property. It may also cover legal defense costs associated with property damage claims.
Medical Payments Coverage and Personal Injury Protection
Depending on your state, you can choose between medical payments coverage and personal injury protection (PIP). Many car accidents result in injury, and this type of insurance can help pay the medical bills associated with recovery. PIP coverage can also pay for lost wages while the injured party is out of work recovering.
Uninsured Motorist Coverage
If you are injured or your vehicle is damaged in an accident caused by a driver who doesn't have insurance, uninsured motorist coverage can cover associated losses up to your policy's limits. Even though liability insurance is required by law in most states, many drivers are still uninsured or underinsured.
Drivers with only minimum coverage may not be able to fully reimburse you for the actual repair costs on a higher-value hybrid Sienna. Your independent insurance agent can help you understand your options for uninsured and underinsured motorist coverage and whether it's a wise choice to add it to your policy.
Optional Coverage for Your Toyota Sienna
Even though the following types of car insurance aren't typically mandatory, they can be helpful to include in your policy. A local independent insurance agent can help you determine which types of optional coverage are appropriate for your specific Toyota Sienna.
Collision
If you are in an accident, collision coverage can pay for damage to your car from a collision with another object, regardless of fault. However, it doesn't make sense to have collision coverage on an older Sienna that's already paid off. Your independent insurance agent can help you decide if full coverage is the right choice for you.
Comprehensive
Comprehensive coverage can pay for damage to your car due to a non-collision event, such as a flood or theft. It can help pay for losses if your car is stolen or vandalized, or if you hit a large animal such as a deer. If you have a loan or lease on your car, comprehensive coverage may be required by your lender.
Glass Coverage
A broken windshield demands immediate attention, and in some places, you can get a ticket for driving with damaged glass. A glass coverage policy lets you get your Sienna's broken glass repaired without having to dig into your savings.
Gap Insurance
If you're in an accident that severely damages or totals your Sienna, gap coverage can cover the difference between the amount still owed on the loan and your vehicle's value if you owe more than the car is worth. Every insurance policy has limits, and your insurance company will only pay up to the vehicle's fair market value. Talk with your independent insurance agent about how gap insurance may protect you if you own a newer Toyota Sienna.
What Affects Your Toyota Sienna Insurance Rates?
Many different factors can affect the cost of Toyota Sienna insurance, including your location, annual mileage, driving record, and more.
Annual Mileage
Driving more than 10,000 to 15,000 miles each year often leads to higher auto insurance premiums. The more you use your vehicle, the greater the risk of being involved in an accident or getting a traffic violation, such as a speeding ticket.
Driving Record
Toyota Sienna drivers without traffic violations or at-fault accidents on their driving record enjoy some of the lowest insurance premiums. Car insurance companies love to reward drivers without speeding tickets, DUIs, accidents, and other violations on their records, as they have a much lower chance of filing claims.
The Value of Your Vehicle
High-value vehicles cost more to insure because repairs or replacements are typically more expensive. If you drive a less expensive model of Sienna, you'll likely enjoy lower car insurance premiums. The 2025 Sienna LE base is $40,635, while the Sienna Platinum tops $57,595. As such, Sienna Platinum drivers are likely to have higher car insurance rates than Sienna LE drivers.
Your Credit
In many areas, your credit score can affect your car insurance premiums. Car insurance companies associate good credit behavior with good driving behavior. Therefore, the better your credit score, the lower your car insurance premium may be.
Your Deductible
Choosing a higher deductible can lead to lower monthly or annual car insurance premium rates. However, keep in mind that with a higher deductible, you'll have to pay more out-of-pocket each time you file a claim before getting reimbursed.
Your Location (Garaging ZIP)
Your location influences car insurance premium calculations. If you live in a densely populated city, you may have higher premiums than someone who lives in a rural town, due to the increased risk of accidents and car insurance claims. State minimum coverage requirements can also influence insurance costs.
How to Lower Your Toyota Sienna Insurance Premium
Wondering how to reduce your Sienna insurance premiums as much as possible? Many car insurance companies offer several discounts that can reduce your overall coverage costs significantly. Ask your independent insurance agent about these common car insurance discounts and savings options:
- Bundling discounts: Buying more than one type of coverage, such as home insurance and auto insurance, through the same carrier can help you save on each.
- Higher deductible savings: Raising your deductible can help you earn lower premium rates, but you'll have to pay more out of pocket before getting reimbursed for a claim.
- Usage-based (telematics) discounts: Many car insurance companies offer telematics programs that track your annual mileage or driving behavior and reward you with savings for low vehicle usage and good habits on the road.
- Hybrid/green discounts: Many car insurance companies offer discounts for owners of hybrid or electric vehicles.
- Multi-car discounts: Insuring more than one vehicle through the same carrier can help you save money on your auto insurance for each.
- Good driver discounts: If your driving record is free of accidents and other violations, you can often save a substantial amount on your car insurance.
- Annual quote comparison savings: Working with an independent insurance agent to compare quotes from multiple carriers each year before your policy renews is a great way to get the best rate.
A local independent insurance agent can help you apply all the car insurance discounts and other savings opportunities you qualify for.
Toyota Sienna vs. Honda Odyssey and Chrysler Pacifica: Insurance Comparison
Wondering how costs compare with Toyota Sienna vs. Honda Odyssey insurance? The 2024 Sienna's average annual premium of $2,456 is a bit higher than the Honda Odyssey's average rate of $2,194. The table below compares average model-year 2024 Toyota Sienna insurance rates with those of similar popular minivans.
| Vehicle | Average Annual Car Insurance Premium | Cost Difference from Sienna |
|---|---|---|
| Honda Odyssey | $2,194 | -$262 |
| Chrysler Pacifica | $2,370 | -$86 |
| Toyota Sienna | $2,456 | $0 |
| Kia Carnival | $2,478 | +$22 |
FAQs About Toyota Sienna Insurance
Is the Toyota Sienna expensive to insure?
No, the Sienna ranks among the cheapest Toyota models to insure. Full coverage averages $155-$160 per month below the national average for all vehicles.
What is the average monthly cost of Toyota Sienna insurance?
The average monthly cost of minimum coverage for a Sienna is $85, and the full coverage average is $160. Monthly costs range from $77 to $315, depending on carrier and coverage level.
Does the Toyota Sienna's hybrid engine cost more to insure?
Yes. Hybrid components cost more to repair, which may slightly raise premiums. However, some carriers offer a hybrid or green vehicle discount that can help offset this increase.
What insurance company has the cheapest rates for a Toyota Sienna?
Progressive currently has the cheapest rates for a Toyota Sienna, starting at just $1,764 per year for full coverage. However, rates are highly personal. An independent insurance agent can compare multiple carriers simultaneously to help you find the best rates.
How do Toyota Sienna safety ratings affect insurance?
The Sienna's IIHS Top Safety Pick status and NHTSA 5-star overall rating reflect fewer and less severe claims, which helps keep premiums below average for the minivan class.
Do I need full coverage on a Toyota Sienna?
Yes, if you have a leased or financed Sienna. For older paid-off Siennas, compare the cost of full coverage insurance to the current vehicle value to determine if it makes sense. An independent insurance agent can help you decide.
How much is Toyota Sienna insurance for a teenage driver?
A 17-year-old driver pays an average of $7,679 annually for Sienna insurance, which is significantly higher than the premium for an older adult. Adding a teen to a family policy is usually cheaper than a standalone policy.
Which Toyota Sienna trim is the cheapest to insure?
The Sienna LE 2WD is often the cheapest model to insure, at an average of $189 per month or $2,266 per year. In comparison, the Platinum AWD model costs an average of $215 per month or $2,584 per year for a 40-year-old driver.
An Independent Insurance Agent Can Help You Get a Toyota Sienna Car Insurance Quote
When it's time to find the most affordable Toyota Sienna insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Sienna insurance coverage and cost.
An independent insurance agent can shop and compare several quotes from dozens of insurance companies simultaneously, including Progressive, Nationwide, USAA, and Travelers, to find the cheapest coverage near you. And down the road, your agent will still be there to help you file car insurance claims if the time comes.
Related Links:
Sources
https://www.moneygeek.com/insurance/auto/toyota-sienna-insurance/
https://www.insuranceopedia.com/auto-insurance/toyota-sienna-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/toyota/sienna/
https://insuraviz.com/vehicles/toyota/toyota-sienna-insurance/
https://www.compare.com/auto-insurance/vehicles/toyota/sienna