If you’re looking for insurance for your Toyota Sienna in 2025, you’re in the right place. Car insurance rates for the Toyota Sienna depend on factors like your driving record, location and car model year.
On average, insuring a 2023 Toyota Sienna costs around $2,267 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Sienna might cost slightly less, around $2,167 per year, while insuring a 2018 model could be even more budget-friendly at $1,910 annually.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Toyota Sienna.
What is the cost to insure your Toyota Sienna in 2025?
The average cost to insure a Toyota Sienna is $192 per month, or $2,304 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Toyota Sienna
Progressive offers the cheapest car insurance rates for Toyota Sienna at an average annual cost of $1,905 a year or $159 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Toyota Sienna
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Progressive | $1,905 | $952 | $159 |
| State Farm | $1,959 | $980 | $163 |
| Nationwide | $1,991 | $995 | $166 |
| Geico | $2,068 | $1,034 | $172 |
| Allstate | $2,991 | $1,495 | $249 |
| Farmers | $3,042 | $1,521 | $254 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Toyota Sienna car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Toyota Sienna will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a comparison of average annual insurance costs for different model years of the Toyota Sienna. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,689 | $845 | $141 |
| 2015 | $1,766 | $883 | $147 |
| 2016 | $1,815 | $907 | $151 |
| 2017 | $1,863 | $932 | $155 |
| 2018 | $1,910 | $955 | $159 |
| 2019 | $1,994 | $997 | $166 |
| 2020 | $2,032 | $1,016 | $169 |
| 2021 | $2,167 | $1,084 | $181 |
| 2022 | $2,180 | $1,090 | $182 |
| 2023 | $2,267 | $1,133 | $189 |
Toyota Sienna car insurance rates for different trims
When it comes to insuring a Toyota Sienna, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For instance, higher-end trims like the Sienna Platinum, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Toyota Sienna.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Sienna LE | $2,202 | $1,101 | $184 |
| Sienna XLE | $2,300 | $1,150 | $192 |
| Sienna Limited | $2,301 | $1,151 | $192 |
| Sienna XSE | $2,334 | $1,167 | $194 |
| Sienna XLE Woodland | $2,365 | $1,183 | $197 |
| Sienna Platinum | $2,433 | $1,216 | $203 |
Toyota Sienna insurance rates: State-by-state breakdown
The cost to insure a Toyota Sienna can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Toyota Sienna car insurance rates for different states in the table below.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $1,995 | $997 | $166 |
| Alabama | $2,022 | $1,011 | $169 |
| Arkansas | $2,263 | $1,132 | $189 |
| Arizona | $2,238 | $1,119 | $186 |
| California | $2,876 | $1,438 | $240 |
| Colorado | $2,998 | $1,499 | $250 |
| Connecticut | $2,374 | $1,187 | $198 |
| Washington, D.C. | $2,610 | $1,305 | $217 |
| Delaware | $2,240 | $1,120 | $187 |
| Florida | $2,716 | $1,358 | $226 |
| Georgia | $2,885 | $1,443 | $240 |
| Hawaii | $1,473 | $737 | $123 |
| Iowa | $1,996 | $998 | $166 |
| Idaho | $1,492 | $746 | $124 |
| Illinois | $2,262 | $1,131 | $189 |
| Indiana | $1,974 | $987 | $164 |
| Kansas | $2,438 | $1,219 | $203 |
| Kentucky | $2,928 | $1,464 | $244 |
| Louisiana | $4,050 | $2,025 | $337 |
| Massachusetts | $2,022 | $1,011 | $169 |
| Maryland | $2,027 | $1,014 | $169 |
| Maine | $1,610 | $805 | $134 |
| Michigan | $2,980 | $1,490 | $248 |
| Minnesota | $2,567 | $1,284 | $214 |
| Missouri | $2,980 | $1,490 | $248 |
| Mississippi | $2,290 | $1,145 | $191 |
| Montana | $2,305 | $1,153 | $192 |
| North Carolina | $2,263 | $1,131 | $189 |
| North Dakota | $2,034 | $1,017 | $169 |
| Nebraska | $2,517 | $1,259 | $210 |
| New Hampshire | $1,725 | $862 | $144 |
| New Jersey | $2,259 | $1,129 | $188 |
| New Mexico | $2,429 | $1,215 | $202 |
| Nevada | $2,178 | $1,089 | $182 |
| New York | $1,717 | $858 | $143 |
| Ohio | $1,616 | $808 | $135 |
| Oklahoma | $2,521 | $1,261 | $210 |
| Oregon | $2,201 | $1,100 | $183 |
| Pennsylvania | $2,468 | $1,234 | $206 |
| Rhode Island | $2,619 | $1,310 | $218 |
| South Carolina | $2,245 | $1,123 | $187 |
| South Dakota | $2,758 | $1,379 | $230 |
| Tennessee | $2,573 | $1,287 | $214 |
| Texas | $3,070 | $1,535 | $256 |
| Utah | $1,833 | $917 | $153 |
| Virginia | $1,655 | $828 | $138 |
| Vermont | $1,743 | $872 | $145 |
| Washington | $2,052 | $1,026 | $171 |
| Wisconsin | $1,737 | $869 | $145 |
| West Virginia | $2,159 | $1,079 | $180 |
| Wyoming | $2,592 | $1,296 | $216 |
How your age impacts Toyota Sienna insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,271 | $4,135 | $689 |
| Adults | $2,304 | $1,152 | $192 |
The bottom line
Knowing how much it costs to insure your Toyota Sienna is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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