How much is insurance on a Toyota Sienna?
A 2024 Toyota Sienna runs about $2,020 a year for a typical 45-year-old, $70 more than an average car of the same age, because of higher crash-repair losses and more injury claims. Putting a new 16-year-old on a family policy with the Sienna adds about $1,330 a year (#4 of 4 very large minivans we compare).
2024 Toyota Sienna (Sienna 2WD), national average
about $2,020 a year (about $170 a month)
Estimated range: $1,500–$2,700. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Sienna drops to about $1,510 (see the table below).
Priced for the 2024 Sienna 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Sienna's rank is the same in every state.
Why the Toyota Sienna costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Toyota Sienna hybrid van, on HLDI's scale where 100 is an average car and lower is better, it reports 116 for crash repairs, 94 for non-crash damage, 99 for damage to others' property, and 113 for injury claims.
- Crash repairs (collision)fixing this car after a crashAverage16% worse than averageworst of the 4 very large minivans we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage6% better than average3rd best of the 4 very large minivans we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage1% better than averageworst of the 4 very large minivans we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 13% more often than averageworst of the 4 very large minivans we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Sienna comes out about 10% worse than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 4% more than average: about $990 a year vs $950. On the liability side, damage to others and injury claims combine to about 7% worse than average. We count about half, so that part is about 4% more: $1,030 a year vs $990.
By EPA size class the Toyota Sienna is a minivan with a hybrid powertrain, and HLDI tracks the Sienna alongside very large minivans.
Matched to HLDI series “Toyota Sienna hybrid van” (HLDI, 2022–24 models).
A used Toyota Sienna, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Sienna 2WD (0–3 years old) | about $2,020 | about $1,030 | +$1,330 | about $5,790 |
| 2022 Sienna 2WD (4–7 years old) | about $1,900 | about $1,030 | +$1,250 | about $5,450 |
 2018 Sienna 2WD (8–12 years old) | about $1,580 | about $880 | +$1,050 | about $4,540 |
 2013 Sienna 2WD (13 or more years old) | about $1,510 | about $920 | +$1,000 | about $4,340 |
Our catalog covers the Toyota Sienna across model years 2006–2027. Full coverage on a used 2013 Sienna (13 or more years old) runs about $1,510 a year, $510 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $920 a year. Each photo shows that year's generation of the car. Photo credits.
Across 2024 Toyota Sienna trims, full coverage goes from about $1,890 a year on the Sienna AWD to about $2,020 on the Sienna 2WD, because HLDI's loss results differ by body, drive, or powertrain.
- Sienna AWD: about $1,890
- Sienna 2WD: about $2,020
On a policy of their own with a 2024 Toyota Sienna, a 22–25-year-old pays about $2,620 a year ($610 more than a 45-year-old), a 26–39-year-old about $2,240, and a driver 65 and older about $2,120.
Adding a 16-year-old with a Toyota Sienna
Adding a new 16-year-old who drives the Toyota Sienna raises the family bill by about $1,330 a year ($110 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,790 a year, so keeping them on the family policy saves about $4,460 a year.
For adding a teen driver, the Toyota Sienna ranks 43rd most expensive out of all 121 models we track. Stepping down to a used 2013 Sienna (13 or more years old) brings the teen add-on to about $1,000 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar very large minivans
Among these 4 very large minivans, the Toyota Sienna is the most expensive to insure. Just below it is the Kia Carnival, at about $1,890 a year.
2024 Honda Odysseyabout $1,730 ($280 less)
2024 Chrysler Pacificaabout $1,820 ($200 less)
2024 Kia Carnivalabout $1,890 ($130 less)- 2024 Toyota Siennaabout $2,020 (this car)
Photos from Wikimedia Commons contributors. Photo credits.
What a Toyota Sienna costs in your state
In six sample states, a 2024 Toyota Sienna runs from about $1,380 a year in Idaho through Ohio, Minnesota, Utah and Michigan to about $2,660 in New York:
- Idahoabout $1,380/yr · +$910 teen
- Ohioabout $1,460/yr · +$960 teen
- Minnesotaabout $1,710/yr · +$1,130 teen
- Utahabout $1,800/yr · +$1,190 teen
- Michiganabout $2,200/yr · +$1,460 teen
- New Yorkabout $2,660/yr · +$1,750 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.