Toyota Sienna Insurance

(And how to get the lowest premiums.)

Written by Rachel Morey
Written by Rachel Morey

Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.

Reviewed by Greg Safford
Reviewed by Greg Safford

Bringing over 15 years of insurance experience, Greg is passionate about helping individuals and businesses understand their insurance options.

Toyota Sienna

When it comes to insuring your Toyota Sienna, you have a lot of options. Finding the right combination of auto insurance coverage can be complex, and there's no one-size-fits-all answer. It's important to work with an insurance agent that understands your needs and can design a policy that protects your Sienna while keeping premiums in line with your budget. You need an insurance company and agent that can help you choose the ideal combination of value and coverage.  

Not sure where to look? 

You can use this find-an-agent tool to be matched with a local independent insurance agent who will walk you through your options and help you find the best coverage for your Toyota Sienna. 

What Kind of Insurance Do You Need for Your Toyota Sienna?

Bodily Injury Liability

If someone else is hurt in an accident you cause, bodily injury liability covers their bills. This type of insurance may be required by law. 

Property Damage Liability

If you cause damage to someone else's property, a liability policy will pay for repairs for covered incidents. In most states, there are minimum property damage liability insurance requirements. It's a good idea to carry more than the minimum amount of insurance, though. Your agent can help you understand your options. 

Medical Payments/Personal Injury Protection

Medical payments and personal injury protection policies help cover the cost of recovering from a covered accident for you and your passengers. Ambulance bills, pain medications, and doctor visit expenses add up fast. This type of insurance is designed to prevent you from having to pay for those costs on your own.

Uninsured Motorist Coverage

Even with laws in place that dictate minimum auto insurance amounts, many drivers travel without adequate insurance. Uninsured and underinsured motorist coverage protects you from having to pay for damage that someone else's insurance can't cover, even if they were at fault. 

Optional Coverage:


With collision coverage, your insurance company pays to fix or replace your Toyota Sienna if you hit an object or are in an at-fault accident with another vehicle. You'll pay the deductible, but the insurance company will pay the rest of the bill, up to your vehicle's fair market value. 


Accidents or damage to your vehicle not covered by your collision policy fall into the comprehensive coverage category. If your car is vandalized, something falls on it, or you hit an animal, comprehensive insurance could cover the repair bill. 

Glass Coverage

Windshield replacement can be expensive, but with glass coverage your insurance company may cover the cost. A zero-deductible glass coverage insurance policy should cost just a few dollars each month. 

Gap Insurance

The insurance company pays the market value of your vehicle if it's a total loss. Gap insurance covers the difference between what you owe your loan or lease company and the value of the vehicle. If you don't have gap insurance, and you owe more on your car than it's worth, an accident could leave you personally responsible for paying off your vehicle. 

What Affects the Cost of Insurance for Your Toyota Sienna?

Annual Mileage: If you drive your Toyota Sienna more than an average 10,000 to 15,000 miles per year, you may pay a slightly higher insurance premium. 

Your Driving Record: At-fault accidents and moving violations contribute to higher insurance rates on the Toyota Sienna. 

The Value of Your Vehicle: 2020 Toyota Sienna prices start at about $31,000. Four-door sedan prices average about $34,000. This means that your Sienna's insurance shouldn't be much higher than other mid-range four-door vehicles. 

Average Toyota Sienna Insurance Costs

Insurance companies calculate premiums based on a number of factors. Your age, driving record, and location are just a few things that contribute to your insurance rates. It's important to get a quote based on your individual attributes. It's also helpful to know that the average 40-year-old Toyota Sienna driver without any at-fault accidents on their record pays $1,356 per year for full coverage on their car. 

The Safety of your Toyota Sienna

The NHTSA gave the 2020 Toyota Sienna a five-star safety rating. Safety features like brake assist, electronic stability control, lane keeping assist, lane departure warning, and daytime running lights available with the 2020 Sienna help increase the vehicle's overall safety ratings. 

How Location Affects Your Toyota Sienna Insurance 

If you live in a large city or congested area of the country, busy roads and long commute times could mean you'll pay higher car insurance premiums. Driving in heavy traffic increases your statistical likelihood of being involved in an accident. Insurance companies take this into account when they set their rates. 


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Our independent agents shop around to find you the best coverage.

Additional Factors That Affect Your Toyota Sienna Insurance Premiums

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

Average Cost to Insure a Toyota Sienna

Average annual cost to insure a Toyota Sienna with full coverage:  $1,356
Teens: $5,032
High-Risk Drivers: $2,930
High Deductibles: $1,168
Low Deductibles: $1,720
Top 3 most expensive states for Toyota Sienna insurance:
Louisiana, New York, Michigan $1,940
Top 3 most affordable states for Toyota Sienna insurance: 
Idaho, Maine, Iowa $900

Top Independent Insurance Carriers That Insure the Toyota Sienna

According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers:

Get a Toyota Sienna Quote

Independent insurance agents can work with dozens of different insurance companies. They can match you with an auto insurance policy and insurance provider that can meet your unique needs. With the  find-an-agent tool, makes finding an independent insurance agent in your area easy. Reach out to an independent insurance agent, today.

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IIHS, Consumer Reports, Quote Inspector,, JD Power