Toyota Sienna XLE AWD Insurance Rates

Average insurance rates for a Toyota Sienna XLE AWD are $1,406 a year for full coverage. Comprehensive insurance costs around $312, collision costs $572, and liability insurance costs $364. Buying just liability costs as little as $430 a year, with insurance for high-risk drivers costing $3,036 or more. Teenage drivers receive the highest rates at $5,174 a year or more.

Annual premium for full coverage: $1,406

Rate estimates for type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Sienna Trim Level

These differences show why everyone should compare rates for a specific zip code and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Toyota Sienna XLE AWD can also vary considerably based on your driver profile, the model year of your Sienna, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age

Where you live makes a big difference in Toyota Sienna XLE AWD insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $590 each year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,700 to $2,300 in extra premium per year, depending on your age. Toyota Sienna XLE AWD insurance for high-risk drivers can cost anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

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Chart shows Toyota Sienna XLE AWD insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $807. Drivers who use higher $1,000 deductibles will pay around $1,206. The average rate for a driver age 40 with no violations using $500 deductibles is $1,406. Selecting more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,796. Drivers with multiple violations and accidents could be charged as much as $3,036. The rate for full coverage for a 16-year-old driver is $5,174.

View Chart as Image