2020 Toyota Sienna Cost to Own

Total 5-Year Ownership Costs

Sienna Minivan

XLE 8-Passenger 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$43,984*

Total Cash Price

$39,709

LE 8-Passenger 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$41,692*

Total Cash Price

$35,585

XLE 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

True Cost to Own

$46,336*

Total Cash Price

$42,099

XLE Premium 8-Passenger 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$46,131*

Total Cash Price

$42,565

L 7-Passenger 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$38,845*

Total Cash Price

$31,879

Limited Premium 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

True Cost to Own

$52,238*

Total Cash Price

$50,117

LE 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

True Cost to Own

$44,492*

Total Cash Price

$37,937

XLE Premium 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

True Cost to Own

$48,662*

Total Cash Price

$44,722

Limited Premium 7-Passenger 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$50,001*

Total Cash Price

$49,060

SE 8-Passenger 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$45,143*

Total Cash Price

$40,485

XLE 7-Passenger Mobility Auto Access 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$48,466*

Total Cash Price

$46,255

Limited 7-Passenger 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$48,950*

Total Cash Price

$45,478

SE Premium 8-Passenger 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$47,869*

Total Cash Price

$44,792

SE 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

True Cost to Own

$46,305*

Total Cash Price

$40,872

Limited 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

True Cost to Own

$50,957*

Total Cash Price

$46,731

LE 7-Passenger Mobility Auto Access 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$45,084*

Total Cash Price

$41,024

SE Premium 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

True Cost to Own

$49,770*

Total Cash Price

$46,345

LE 7-Passenger Mobility 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

$41,802*

Total Cash Price

$35,835

CE Fleet Cargo Van 4dr Minivan (3.5L 6cyl 8A)

True Cost to Own

N/A*

Total Cash Price

N/A

Ownership Costs: 5-Year Total

Depreciation

$16,005

Taxes & Fees

$1,820

Financing

$7,219

Fuel

$9,324

Insurance

$3,958

Repairs

$744

Maintenance

$4,914

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan XLE 8-Passenger 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$738$764$791$818$847$3,958
Maintenance$66$518$468$1,822$2,040$4,914
Repairs$0$0$107$259$378$744
Taxes & Fees$1,636$46$46$46$46$1,820
Financing$2,469$1,995$1,484$932$339$7,219
Depreciation$4,651$2,764$2,615$3,068$2,907$16,005
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$11,316$7,896$7,374$8,864$8,534$43,984

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan LE 8-Passenger 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$725$750$777$804$832$3,888
Maintenance$66$518$468$1,822$2,040$4,914
Repairs$0$0$107$259$378$744
Taxes & Fees$1,472$46$46$46$46$1,656
Financing$2,213$1,788$1,329$836$303$6,469
Depreciation$4,853$2,396$2,267$2,661$2,520$14,697
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$11,085$7,307$6,857$8,347$8,096$41,692

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan XLE 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$753$779$807$835$864$4,038
Maintenance$66$518$468$2,215$2,228$5,495
Repairs$0$0$124$296$434$854
Taxes & Fees$1,731$46$46$46$46$1,915
Financing$2,618$2,115$1,573$988$359$7,653
Depreciation$5,779$2,632$2,489$2,920$2,766$16,586
Fuel$1,845$1,900$1,957$2,016$2,077$9,795
True Cost to Own®$12,792$7,990$7,464$9,316$8,774$46,336

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan XLE Premium 8-Passenger 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$738$764$791$818$847$3,958
Maintenance$66$518$468$1,822$2,040$4,914
Repairs$0$0$107$259$378$744
Taxes & Fees$1,750$46$46$46$46$1,934
Financing$2,647$2,138$1,591$999$363$7,738
Depreciation$5,818$2,849$2,694$3,163$2,995$17,519
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$12,775$8,124$7,560$9,026$8,646$46,131

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan L 7-Passenger 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$708$733$758$785$812$3,796
Maintenance$66$518$468$1,822$2,040$4,914
Repairs$0$0$107$259$378$744
Taxes & Fees$1,324$46$46$46$46$1,508
Financing$1,983$1,601$1,191$749$271$5,795
Depreciation$3,829$2,175$2,057$2,416$2,287$12,764
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$9,666$6,882$6,490$7,996$7,811$38,845

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan Limited Premium 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$768$795$823$851$881$4,118
Maintenance$66$518$468$2,215$2,228$5,495
Repairs$0$0$124$296$434$854
Taxes & Fees$2,051$46$46$46$46$2,235
Financing$3,117$2,517$1,873$1,177$427$9,111
Depreciation$6,849$3,355$3,173$3,726$3,527$20,630
Fuel$1,845$1,900$1,957$2,016$2,077$9,795
True Cost to Own®$14,696$9,131$8,464$10,327$9,620$52,238

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan LE 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$752$778$806$834$863$4,033
Maintenance$66$518$468$2,215$2,228$5,495
Repairs$0$0$124$296$434$854
Taxes & Fees$1,565$46$46$46$46$1,749
Financing$2,359$1,906$1,417$891$324$6,897
Depreciation$5,271$2,532$2,394$2,811$2,661$15,669
Fuel$1,845$1,900$1,957$2,016$2,077$9,795
True Cost to Own®$11,858$7,680$7,212$9,109$8,633$44,492

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan XLE Premium 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$738$764$791$818$847$3,958
Maintenance$66$518$468$2,215$2,228$5,495
Repairs$0$0$124$296$434$854
Taxes & Fees$1,836$46$46$46$46$2,020
Financing$2,781$2,247$1,671$1,050$381$8,130
Depreciation$6,118$2,993$2,830$3,323$3,146$18,410
Fuel$1,845$1,900$1,957$2,016$2,077$9,795
True Cost to Own®$13,384$8,468$7,887$9,764$9,159$48,662

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan Limited Premium 7-Passenger 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$739$765$792$819$848$3,963
Maintenance$66$518$468$1,699$1,918$4,669
Repairs$0$0$107$259$378$744
Taxes & Fees$2,009$46$46$46$46$2,193
Financing$3,051$2,465$1,832$1,152$419$8,919
Depreciation$6,697$3,285$3,106$3,648$3,453$20,189
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$14,318$8,888$8,214$9,542$9,039$50,001

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan SE 8-Passenger 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$735$761$787$815$843$3,941
Maintenance$66$518$468$1,995$2,213$5,260
Repairs$0$0$107$259$378$744
Taxes & Fees$1,667$46$46$46$46$1,851
Financing$2,518$2,034$1,512$951$345$7,360
Depreciation$5,536$2,709$2,562$3,008$2,848$16,663
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$12,278$7,877$7,345$8,993$8,650$45,143

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan XLE 7-Passenger Mobility Auto Access 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$738$764$791$818$847$3,958
Maintenance$66$518$468$1,822$2,040$4,914
Repairs$0$0$107$259$378$744
Taxes & Fees$1,897$46$46$46$46$2,081
Financing$2,877$2,323$1,728$1,086$395$8,409
Depreciation$6,318$3,096$2,928$3,439$3,255$19,036
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$13,652$8,556$7,931$9,389$8,938$48,466

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan Limited 7-Passenger 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$738$764$791$818$847$3,958
Maintenance$66$518$468$1,699$1,918$4,669
Repairs$0$0$107$259$378$744
Taxes & Fees$1,866$46$46$46$46$2,050
Financing$2,828$2,285$1,699$1,068$388$8,268
Depreciation$7,114$3,121$2,954$3,465$3,283$19,937
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$14,368$8,543$7,928$9,274$8,837$48,950

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan SE Premium 8-Passenger 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$735$761$787$815$843$3,941
Maintenance$66$518$468$1,995$2,213$5,260
Repairs$0$0$107$259$378$744
Taxes & Fees$1,839$46$46$46$46$2,023
Financing$2,786$2,250$1,673$1,052$382$8,143
Depreciation$6,118$2,998$2,836$3,330$3,152$18,434
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$13,300$8,382$7,780$9,416$8,991$47,869

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan SE 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$753$779$807$835$864$4,038
Maintenance$66$518$468$2,215$2,228$5,495
Repairs$0$0$124$296$434$854
Taxes & Fees$1,682$46$46$46$46$1,866
Financing$2,542$2,053$1,527$960$348$7,430
Depreciation$5,595$2,735$2,586$3,037$2,874$16,827
Fuel$1,845$1,900$1,957$2,016$2,077$9,795
True Cost to Own®$12,483$8,031$7,515$9,405$8,871$46,305

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan Limited 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$768$795$823$851$881$4,118
Maintenance$66$518$468$2,215$2,228$5,495
Repairs$0$0$124$296$434$854
Taxes & Fees$1,916$46$46$46$46$2,100
Financing$2,906$2,348$1,746$1,097$398$8,495
Depreciation$7,331$3,107$2,943$3,451$3,268$20,100
Fuel$1,845$1,900$1,957$2,016$2,077$9,795
True Cost to Own®$14,832$8,714$8,107$9,972$9,332$50,957

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan LE 7-Passenger Mobility Auto Access 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$725$750$777$804$832$3,888
Maintenance$66$518$468$1,822$2,040$4,914
Repairs$0$0$107$259$378$744
Taxes & Fees$1,688$46$46$46$46$1,872
Financing$2,551$2,061$1,533$963$350$7,458
Depreciation$5,608$2,745$2,596$3,049$2,886$16,884
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$12,394$7,929$7,390$8,862$8,509$45,084

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan SE Premium 7-Passenger 4dr Minivan AWD (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$753$779$807$835$864$4,038
Maintenance$66$518$468$2,215$2,228$5,495
Repairs$0$0$124$296$434$854
Taxes & Fees$1,900$46$46$46$46$2,084
Financing$2,882$2,328$1,732$1,088$395$8,425
Depreciation$6,337$3,102$2,934$3,445$3,261$19,079
Fuel$1,845$1,900$1,957$2,016$2,077$9,795
True Cost to Own®$13,783$8,673$8,068$9,941$9,305$49,770

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Sienna Minivan LE 7-Passenger Mobility 4dr Minivan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$725$750$777$804$832$3,888
Maintenance$66$518$468$1,822$2,040$4,914
Repairs$0$0$107$259$378$744
Taxes & Fees$1,482$46$46$46$46$1,666
Financing$2,229$1,800$1,338$842$306$6,515
Depreciation$4,905$2,397$2,267$2,662$2,520$14,751
Fuel$1,756$1,809$1,863$1,919$1,977$9,324
True Cost to Own®$11,163$7,320$6,866$8,354$8,099$41,802

*Based on a 5-year estimate with 15,000 miles driven per year.

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True Cost To Own®

Edmunds.com's True Cost to Own® (TCO®) is proprietary data that helps you estimate the total five-year cost of buying and owning a vehicle — including some items you may not have taken into consideration. A benefit of using our TCO® tool is that you can easily compare the five-year totals for different vehicles and make a more informed choice.

The components of TCO® are depreciation, interest on financing, taxes and fees, insurance premiums, fuel, maintenance, repairs and any federal tax credit that may be available. In order to estimate certain mileage-dependent costs, we assume that vehicles will be driven 15,000 miles per year. For a used vehicle, we calculate the years the vehicle has been driven using the nominal difference between the current calendar year and the vehicle's model year, and assume that it was driven 15,000 miles during each of those years.

Note that TCO® is a comparative tool, not a predictive tool — your actual five-year cost of owning a particular vehicle will vary depending on your personal circumstances, such as your driving history and the number of miles you drive.

How We Calculate True Cost to Own®

The True Cost to Own® calculations use the following set of assumptions:

  • Ownership expenses are estimated for a five-year period
  • You will drive 15,000 miles per year
  • You are financing the vehicle using traditional financing, not lease financing
  • You have an above-average credit rating for the purpose of determining your finance rate
  • You are making a 10% down payment on the vehicle at purchase
  • Your loan term is 60 months

Using proprietary formulas, we calculate the five-year costs for the seven cost categories that make up the TCO® (depreciation, insurance, financing, taxes & fees, fuel, maintenance and repairs). We also take into account any applicable federal tax credit.

Explanation of True Cost to Own® Terms

Total Cash Price

For new vehicles, the Total Cash Price displayed is the vehicle's True Market Value® (TMV®) price plus typically equipped options, destination charge, base tax and fees assessed by your state, and, if applicable, gas guzzler tax; less any widely available manufacturer-to-customer cash rebates. (However, we do not account for other types of cash rebates or incentives because of the variability of those offers and their eligibility requirements.) For used vehicles, the Total Cash Price shown is the sum of the vehicle's Private Party TMV® price in "clean" condition plus typically equipped options, and base tax and fees assessed by your state.

Depreciation

This is the amount by which the value of a vehicle declines from its purchase price to its estimated resale value. The purchase price employed is the vehicle's Total Cash Price, minus any taxes and fees included in that amount. We estimate the resale value assuming the vehicle will be in "clean" condition, will be driven 15,000 miles per year, and will be sold to a private party.

Insurance

This is the estimated average annual insurance premium in your state. The premium has been determined based on annual premium data for defined driver profiles and coverages (liability, comprehensive and collision) from a major national insurer. While this information is specific to vehicle make, model, model year and body type, your personal information is not taken into consideration and could greatly alter the actual premium quoted by an insurer. Factors that will affect your rate include your age, marital status, credit history, driving record, and the garaging address of your vehicle.

Financing

This is the interest expense on a loan in the amount of the Total Cash Price, assuming a 10% down payment and a loan term of 60 months. The interest rate used is the prevailing rate that banks and other direct automotive lenders are currently charging consumers in your geographic region who have above average credit scores.

Note: Even if you do not finance your vehicle, the inclusion of financing cost in determining True Cost to Own® is still appropriate because it reflects the estimated "opportunity cost" (i.e., the amount you may earn) if you invest the Purchase Price instead of using it to purchase the vehicle.

Taxes & Fees

This consists of the base sales (or use) taxes, license and registration fees in your state, and gas guzzler tax if applicable. These taxes and fees are often based on a percentage of the purchase price, and generally decrease as the vehicle ages and loses its value.

Note: the state sales/use tax rate that we use includes the average local and county taxes assessed in that state.

Fuel

This expense is based on the revised EPA mileage ratings, assuming consumption consists of 45% highway and 55% city driving and that the vehicle is equipped with the transmission that is standard equipment for that vehicle. Cost estimates are based on the current one-year moving average of self-service prices in your state, using regular unleaded gasoline for vehicles whose manufacturers require regular; premium unleaded gasoline for vehicles whose manufacturers recommend or require premium; or diesel fuel for diesel vehicles.

Maintenance

This is the estimated expense of the two types of maintenance: scheduled and unscheduled. Scheduled maintenance is the performance of factory-recommended items at periodic mileage and/or calendar intervals. Unscheduled maintenance includes wheel alignment and the replacement of items such as the battery, brakes, headlamps, hoses, exhaust system parts, taillight/turn signal bulbs, tires and wiper blades/inserts. Estimated tire replacement costs are supplied to Edmunds.com by The Tire Rack, Inc.

Repairs

This is the estimated expense for repairs not covered by the vehicle manufacturer's warranties over the five years from the date of purchase, assuming 15,000 miles are driven annually. We estimate this expense based on the cost of a typical "zero deductible" extended warranty for the vehicle, minus the estimated amount of that cost that consists of the warranty provider's overhead and profit.

Federal Tax Credits

This is the tax credit that is provided for under the Energy Policy Act of 2005. A tax credit is subtracted directly from the total amount of federal tax you owe. The tax credit is for electric fuel vehicles.

The credit is only available to the original purchaser of a new, qualifying vehicle, and is subject to certain "phase out" rules that we take into consideration when computing TCO®. If a qualifying vehicle is leased to a consumer, the leasing company may claim the credit.


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Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2020 Toyota Sienna in Virginia is:

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