Car Insurance Quotes for a Toyota Sienna

The average annual premium for a Toyota Sienna is $474 for minimum and $1,687 for full coverage, with car insurance rates varying from policyholder to policyholder.

Minimum refers to the minimum liability requirements set by your state. For example, a minimum policy in North Carolina carries $30,000 in bodily injury liability per person, $60,000 in bodily damage liability per accident, and $25,000 in property damage liability. All are third-party benefits covering the cost of injuries and damages to other drivers and property, whereas full coverage adds collision and comprehensive to the mix.

If you would like to learn all of the different types of policies available to you, Freeway Insurance is ready to provide guidance and present several affordable options.

Toyota Sienna drivers can take advantage of many types of auto insurance policies. Two of the more popular ones include state minimum liability and full coverage.

State minimum liability includes bodily injury and property damage liability. In contrast, full coverage offers first-party benefits above and beyond state minimum liability, inclusive of collision and comprehensive coverage, which protects against a broader range of scenarios.

Let’s go over each of them in greater detail below:

Full Coverage

We recommend opting for full over a state minimum liability policy for enhanced financial protection and potential loan/lease requirements.

As for enhanced financial protection, this offers a nice buffer through third-party benefits like liability and first-party benefits like collision and comprehensive, which pays for damages due to vehicle-to-vehicle, vehicle-to-object, rollover, and non-collision related events like theft and vandalism.

You can always add personal injury protection (PIP) or medical payments (MedPay) coverage, which helps even more to pay for damages due to lost wages, rehabilitation costs, and medical expenses for you and your fellow passengers (no matter who is at fault). They may also be required by your state.

Lastly, remember loan or lease requirements. Sometimes lending or leasing companies require you to carry full coverage to preserve their investment better. For example, failing to obtain a full coverage policy while leasing a Toyota Sienna may result in penalties and a breach of contract.

State Minimum Liability

To drive legally, you must have an active auto insurance policy with the minimum liability limits required by your state.

Every state has minimum liability requirements. For example, Colorado requires liability limits of $25,000 in bodily injury per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability per accident.

In turn, Kansas adds a $4,500 personal injury protection (PIP) limit with required liability limits of $25,000 in bodily injury per person, $50,000 in bodily injury liability per accident, $25,000 in property damage liability per accident, $25,000/$50,000 in uninsured motorist coverage per person/accident, and $4,500 in PIP benefits.

Whenever possible, a full coverage policy is recommended over a state minimum liability policy. State minimum liability policies only provide third-party benefits, covering the cost of injuries and damages sustained by others in an accident you are responsible for.

In turn, full coverage policies offer first-party benefits like collision and comprehensive, paying for your injuries and damages due to a broader range of scenarios, such as vehicle-to-vehicle, vehicle-to-object, and rollover collisions.

Many factors influence the price of premiums for Toyota Sienna drivers.

Trim

One consideration is trim level and features. For example, Sienna’s highest level trim (Platinum) offers head-up displays and a surround-view parking camera system with larger 20-inch wheels. The cost of parts and labor could be slightly higher, with a ~$50,000 MSRP versus the base model’s ~$35,000 MSRP. With more technologically advanced equipment comes higher vehicle prices.

Location

Another consideration is where you live. Residents living in densely populated areas with a higher theft, vandalism, and claims rate should expect to pay higher average premiums than residents of sparsely populated areas out in the countryside with one fender bender a year.

Age

Lastly, do not forget your age. Younger drivers generally pay higher premiums than older drivers, thanks to a lack of driving experience and a spottier driving record.

Unfortunately, DUIs have a detrimental effect on insurance rates for all Toyota Sienna owners.

One effect of DUIs is increased premiums. Once you are reclassified as a high-risk driver, premiums may double or triple, depending on the severity of the offense. Expect rates to remain elevated for several years, gradually tapering down as long as you maintain a clean driving record with no claims, at-fault accidents, or moving violations.

A second effect of DUIs is outright policy cancellation or non-renewal. After a DUI conviction, insurance companies reserve the right to deny or cancel your policy, forcing you to seek a new provider willing to provide cheap DUI solutions.

Lastly, most states will also require that you file an SR-22, a certificate of financial responsibility that lets the state know you have the minimum required coverage. On top of elevated premiums, expect to pay additional fees, penalties, and administrative costs to your state’s department of motor vehicles.

Remember, every state and insurance company has guidelines for treating DUI drivers. If you have questions about how a DUI affects your rates, please consult your auto insurance company.

Drivers can consider discounts to save a few dollars on their premiums.

Arguably the most well-known type of discount is the “Good Driver” or “Safe Driver” discount, which is offered to drivers who have maintained a clean driving record (no claims, traffic violations, or at-fault accidents) for the past few years. So naturally, the longer a driver remains accident-free, the higher the likelihood of lower premiums.

Other discounts available to drivers include:

To stay on top of all the latest discounts, we highly recommend that you call your insurance company every couple of months (or as your life circumstances change).

This is a vehicle in the minivan segment.

It comes in seven trims (E, XLE, XSE, Woodland Edition, 25th Anniversary Edition, Limited, and Platinum), along with the choice of a single 245 horsepower, 2.5-liter four-cylinder engine with front-wheel drive and optional all-wheel drive.

Standard features include a nine-inch touch screen, Apple CarPlay/Android Auto compatibility, tri-zone automatic climate control, 17-inch alloy wheels, and the Toyota Safety Suite, which comes with several safety features, such as forward collision warning, roadside recognition, and automatic high-beam headlights.

Main competitors are the Honda Odyssey, Chrysler Pacifica, and the Kia Carnival.