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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The Toyota Sienna is a versatile, family-friendly minivan with plenty of comfort features. Sienna drivers typically enjoy affordable auto insurance rates, too, averaging $123 per month, according to Compare.com data. That’s almost 20% cheaper than the national average of $149 per month.
Toyota Sienna drivers enjoy relatively low insurance rates, partly due to the vehicle’s five-star crash test rating from the National Highway Traffic Safety Administration (NHTSA).[1]
Let’s take a closer look at some of the best car insurance companies for the Toyota Sienna, including how you can score a good deal on your rates.
Liability insurance for the Toyota Sienna costs an average of $85 per month, while full coverage averages $160.
National General, Allstate, and Travelers are a few of the best car insurance companies for Sienna owners.
You’ll likely pay less to insure the base Sierra LE model than the top-tier Woodland Edition.
Car insurance rates for your Toyota Sienna depend on the type of auto policy you choose. Minimum coverage is the most affordable option, but it only pays for damages and injuries you cause to other drivers. A full-coverage policy will cost you more, but it covers more events, like natural disasters, theft, and at-fault accidents.
Below, we highlight average monthly premiums for liability and full-coverage insurance for the Sienna, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Toyota Sienna | $85 | $160 | $123 |
| All vehicles | $108 | $190 | $149 |
Toyota Sienna owners pay an average of $85 per month for liability insurance and $160 for full coverage. Both figures are quite a bit less than the national averages for all vehicles.
But remember that these are just averages. Your exact car insurance rates will vary based on several factors, including your age and location.
Remember that your rates could be higher or lower than the above averages. Insurers consider several factors when setting premiums, like your ZIP code and vehicle model. Plus, you can always find ways to lower your rates.
Here’s a look at the insurance companies with the cheapest car insurance for the Sienna, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| National General | $101 |
| Safeco | $103 |
| Mercury | $103 |
| Root | $106 |
| GEICO | $112 |
National General offers the cheapest auto insurance for Toyota Sienna drivers, averaging $101 per month. While our data shows that these companies have the most affordable rates for the Sienna, your particular situation determines your cheapest rates.
That’s why it’s a good idea to shop around and compare quotes to lock in the best deal.
Get quotes from top insurers and save on coverage for your minivan.
There’s no single best car insurance company for every type of driver. Your budget and coverage needs play a major role in picking the right insurance company for your Sienna.
We picked three of the cheapest insurers for drivers on a budget, low-mileage drivers, and seniors. We chose each company based on a combination of average premiums, coverage options, customer ratings and reviews, and car insurance discounts.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the affordable initial rates and good coverage but dislike the unexpected price increases and poor customer service.
Drivers value the affordable initial rates and good coverage but dislike the unexpected price increases and poor customer service.
National General offers some of the most affordable rates for Toyota Sienna owners, based on our research. You can save even more with discounts for a clean driving record, installing an anti-theft device, and insuring multiple vehicles.
One of National General’s local agents can help you zero in on the right coverage.
$500 emergency expense allowance
DynamicDrive telematics program
24/7 claims processing
No accident forgiveness or vanishing deductible
Poor Trustpilot rating[2]
Not available in every state
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $132/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Not every Sienna driver uses their van often. If you’re a stay-at-home parent or work remotely, for example, a pay-per-mile policy from Allstate might be worthwhile.
Allstate Milewise lets you pay only for the miles you drive, and it might be cheaper than a traditional car insurance policy. Plus, you can add optional coverages to enhance your plan, including roadside assistance, gap insurance, and accident forgiveness.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
If you’re a senior Sienna owner, you might benefit from Travelers auto insurance. You could qualify for a discount if you’re a member of an affinity group, own a home, or bundle your car insurance with another policy.
Plus, if you sign up for the IntelliDrive telematics program, you can brush up on your driving skills and land a discount for being a responsible driver.
Wide variety of coverage
Accident forgiveness available
Highly rated mobile app
Not available in every state
Rideshare insurance not available everywhere
Below-average customer satisfaction ratings
The age of your Sienna indirectly influences what you pay for auto insurance. Typically, the more your van is worth, the higher premiums you’ll pay. So, a new Toyota Sienna is usually more expensive to insure than older models.
The table below outlines average car insurance rates for different Sienna model years, according to Compare.com data.
Sienna Model Year | Average Monthly Premium |
|---|---|
| 2025 | $152 |
| 2024 | $138 |
| 2023 | $138 |
| 2022 | $156 |
| 2021 | $146 |
| 2020 | $131 |
| 2019 | $130 |
| 2018 | $116 |
| 2017 | $138 |
| 2016 | $119 |
| 2015 | $120 |
| 2014 | $127 |
| 2013 | $121 |
| 2012 | $115 |
| 2011 | $123 |
| 2010 | $113 |
The model year of your Sienna is only one factor affecting your premiums. Your state and ZIP code also play a role in your car insurance costs.
Car insurance rates differ by state. If you live in an area with frequent crimes or natural disasters, for example, you’ll likely pay high rates for your Sienna. You might also face higher costs in an urban area with a larger population and higher accident risk.
Below, you’ll find the average cost of car insurance for the Sienna by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $84 |
| Arizona | $122 |
| Arkansas | $110 |
| California | $135 |
| Colorado | $130 |
| Connecticut | $213 |
| Delaware | $235 |
| Florida | $175 |
| Georgia | $159 |
| Idaho | $177 |
| Illinois | $72 |
| Indiana | $76 |
| Iowa | $104 |
| Kansas | $89 |
| Kentucky | $98 |
| Louisiana | $139 |
| Maine | $147 |
| Maryland | $108 |
| Massachusetts | $222 |
| Michigan | $96 |
| Minnesota | $169 |
| Mississippi | $118 |
| Missouri | $119 |
| Montana | $97 |
| Nebraska | $95 |
| Nevada | $63 |
| New Hampshire | $85 |
| New Jersey | $98 |
| New Mexico | $66 |
| New York | $156 |
| North Carolina | $91 |
| North Dakota | $187 |
| Ohio | $225 |
| Oklahoma | $83 |
| Oregon | $112 |
| Pennsylvania | $106 |
| Rhode Island | $110 |
| South Carolina | $150 |
| South Dakota | $180 |
| Tennessee | $80 |
| Texas | $91 |
| Utah | $149 |
| Vermont | $113 |
| Virginia | $128 |
| Washington | $87 |
| District of Columbia | $112 |
| West Virginia | $80 |
| Wisconsin | $99 |
| Wyoming | $70 |
Since you typically gain more driving experience as you get older, insurance companies will look at your age when calculating your premiums. Teen and young drivers, for example, are more likely to get into an accident than older drivers.[5] But as you age, your rate will likely go down.
Let’s take a look at auto insurance premiums for each age group, according to Compare.com data.
Teens with a Sienna pay an average monthly premium of $301. Rates drop drastically in your 20s and continue to decline into your senior years, where average Sienna rates hover around $123 per month.
Your driving record also plays a part in your car insurance premiums. If you have serious traffic violations on your record, like speeding or driving under the influence (DUI), insurers consider you a high-risk driver and charge more for coverage.
This table shows average monthly insurance costs for Sienna drivers with different driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $160 |
| Speeding ticket | $222 |
| At-fault accident | $232 |
| DUI | $263 |
Safe driving habits can help you lock in the lowest rate. Toyota Sienna drivers with a DUI pay around 65% more for car insurance than drivers with a clean record.
Next, let’s explore how different features of your Sienna can affect your rates.
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The features of your Sienna can also play a small role in your car insurance premiums. Certain features can make your minivan safer or lower repair costs, which could lower your rates. But some trim levels increase the value of your car and are more expensive to repair or replace, so you’ll pay more for car insurance.
For example, the base LE trim may be relatively affordable to insure. But if you choose the higher-level Woodland Edition, you’ll probably pay more for your auto policy due to luxury features like all-wheel drive (AWD), a built-in 1,500-watt power outlet, and a high-capacity tow hitch.
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Average rates aside, you can always look for ways to lower your premiums. Here are some tips to help you land cheaper car insurance for your Sienna:
Buy a lower-level trim. The LE or XLE will likely be cheaper to insure than higher-level trims like the XSE and Woodland Edition. It’s up to you to decide whether additional features are worth the higher rates.
Explore discounts. Most insurers offer discounts to help you save money. Some popular discounts include safe driver, auto pay, and multi-car discounts.
Opt for a higher deductible. A higher deductible will lower your rates. But you’ll pay more out-of-pocket if you need to file a claim.
Shop around. Get car insurance quotes regularly from at least three different insurers. Then, compare premiums, coverage options, discounts, customer reviews, and more to make sure you still have the right policy for your Sienna.
Compare quotes and save money on your Toyota Sienna insurance in seconds.
If you want more information about Toyota Sienna auto policies, we’re here to help. Below are the answers to some of the most common questions about Sienna car insurance.
Not typically. Toyota Sienna car insurance premiums cost an average of $123 per month, , according to Compare.com data. That’s a little less than 20% cheaper than the average for all vehicles. But your rate may differ, depending on your driving record, coverage levels, and where you live.
National General is the cheapest car insurance company for the Toyota Sienna, according to Compare.com data. Sienna drivers who use National General pay an average of just $101 per month.
But that doesn’t necessarily mean it’s the best deal for you. Shop around and compare quotes to find the lowest premiums and best coverage for your unique situation.
Auto insurance for the 2025 Toyota Sienna averages $152 per month, according to Compare.com data. But your exact rate will depend on factors like your location, age, driving history, and credit.
The Sienna is the cheapest Toyota vehicle to insure. Highlander car insurance costs an average of $123 per month, according to Compare.com research.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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