How much does insurance cost for a 2024 Toyota Sienna?

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When most people shop for a car, the focus is usually on the sticker price, gas mileage, or features. But insurance is a big part of the total cost of ownership – and it can vary a lot.

Full coverage – liability, collision, and comprehensive – costs $2,304 per year ($192 per month) with 100/300/100 limits and $500 deductibles.

2024 Toyota Sienna insurance premiums by state

Where you live plays a huge role in what you’ll pay. ZIP codes can matter just as much as your driving history. That’s why insuring a Sienna in California might be far more expensive – or cheaper – than in Florida.

Here’s a look at the cheapest and most expensive states for 2024 Toyota Sienna insurance.

Cheapest states to insure a 2024 Toyota Sienna

Hawaii has the lowest average premium for 2024 Toyota Sienna drivers at $1,473 per year ($123 per month). Other states with affordable coverage include Idaho, Maine, Ohio, and Virginia.

The table below shows the cheapest states to insure a 2024 Toyota Sienna.

State name	Average annual premium
Hawaii	$1,473
Idaho	$1,492
Maine	$1,610
Ohio	$1,616
Virginia	$1,655

Most expensive states to insure a 2024 Toyota Sienna

On the flip side, Louisiana is the most expensive state, with an average annual premium of $4,050. It’s followed by Texas ($3,070 a year) and Colorado ($2,998 a year).

The table below shows which states have the most expensive 2024 Toyota Sienna insurance rates.

State name	Average annual premium
Louisiana	$4,050
Texas	$3,070
Colorado	$2,998
Michigan	$2,980
Missouri	$2,980

2024 Toyota Sienna insurance premiums by trim level

Insurance rates also vary by trim. Higher trims often come with more powerful engines, luxury tech, and a bigger price tag – all of which can push premiums higher.

Below, you’ll see how car insurance rates for the 2024 Toyota Sienna compare across trim levels.

Trim	Average annual premium
Sienna LE	$2,202
Sienna Limited	$2,301
Sienna Platinum	$2,433
Sienna XLE	$2,300
Sienna XLE Woodland	$2,365
Sienna XSE	$2,334

Factors that influence 2024 Toyota Sienna insurance premiums

Premiums for a 2024 Toyota Sienna aren’t one-size-fits-all. They change based on the car itself, who’s driving it, and the policy you choose. Here are some of the main factors.

Vehicle-related factors

Vehicle value. Newer or higher-priced models are more expensive to insure.
Repair costs. Cars with above-average parts or repair expenses carry higher premiums.
Safety ratings. Good crash-test scores and advanced safety features can lower costs.
Theft risk. If a model is frequently stolen, insurers raise the price to cover the risk.

Driver-related factors

Age and gender. Younger, less experienced drivers usually pay more.
Location. Urban drivers see higher rates than those in rural areas.
Driving history. Clean records help lower premiums, while tickets and accidents raise them.
Annual mileage. The more miles you drive, the greater the risk – and the higher the cost.

Policy-related factors

Coverage level. Full coverage policies cost more but offer broader protection.
Deductible amount. Higher deductibles reduce premiums but mean higher out-of-pocket costs after a claim.
Optional add-ons. Things like roadside assistance, gap insurance, or rental reimbursement add convenience but also add to the bill.

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Cheapest insurance companies for insuring a 2024 Toyota Sienna

Progressive offers the cheapest car insurance rates for a 2024 Toyota Sienna, averaging $1,905 per year. Other insurers with competitive prices include State Farm, Nationwide, and GEICO. The table below shows the companies with the most affordable 2024 Toyota Sienna insurance rates.

Company group	Average annual premium
Progressive	$1,905
State Farm	$1,959
Nationwide	$1,991
GEICO	$2,068
Allstate	$2,991
Farmers	$3,042

How to lower 2024 Toyota Sienna insurance premiums

Here are some ways to lower your auto insurance rates.

Shop around for quotes. Compare rates from multiple insurers, since each company evaluates risk differently.
Adjust your coverage. If your vehicle is older or you don’t drive often, you may save by lowering your limits or dropping extras you don’t need.
Raise your deductible. A higher deductible means paying more out of pocket after a claim, but it usually lowers your monthly premium.
Take advantage of discounts. Look for savings tied to safe driving, bundling home and auto, low mileage, or built-in safety features.
Keep a clean driving record. Avoiding accidents and tickets is one of the most reliable ways to keep premiums low.
Consider usage-based insurance. Some insurers offer telematics programs that track driving habits and reward safe drivers with discounts.

Sienna insurance premiums by model year

Insurance rates for the Sienna change depending on the model year. In most cases, newer vehicles cost more to insure because they carry a higher market value and advanced technology that makes repairs more expensive. Rising labor and repair costs over the years have also pushed premiums higher across the board.

Below, you can compare average insurance premiums for the 2024 Toyota Sienna by model year.

Model year	Average annual premium
2014	$1,689
2015	$1,766
2016	$1,815
2017	$1,863
2018	$1,910
2019	$1,994
2020	$2,032
2021	$2,167
2022	$2,180
2023	$2,267
2024	$2,304

How expensive is it to insure a 2024 Toyota Sienna?

On average, insuring a 2024 Toyota Sienna costs $2,304 per year, which is $359 less than the national average of $2,663.

Insurance premiums vary widely, but comparing multiple quotes is the best way to make sure you’re paying a fair price while still getting strong protection.

Methodology

Insure.com commissioned Quadrant Information Services to gather insurance rates for new and used vehicles. Rates are based on a 40-year-old male driver with full coverage (100/300/100 limits and $500 deductibles for collision and comprehensive). The data set includes 1,661 makes and models, more than 67 million quotes from 57 companies, and 510 ZIP codes nationwide. These numbers are for comparison purposes only – your actual rate may differ.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

On this page

2024 Toyota Sienna insurance premiums by state
2024 Toyota Sienna insurance premiums by trim level
Factors that influence 2024 Toyota Sienna insurance premiums
Cheapest insurance companies for insuring a 2024 Toyota Sienna
How to lower 2024 Toyota Sienna insurance premiums
Sienna insurance premiums by model year
How expensive is it to insure a 2024 Toyota Sienna?
Methodology