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2002 Toyota Sequoia Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2002 Toyota Sequoia are $938 a year for full coverage. Comprehensive costs an estimated $154 each year, collision costs $180, and liability insurance costs around $446. Buying a liability-only policy costs as low as $500 a year, with high-risk insurance costing around $2,010. Teen drivers receive the highest rates at $3,800 a year or more.

Annual premium for full coverage: $938

Rate estimates for 2002 Toyota Sequoia Insurance

Comprehensive $154
Collision $180
Liability $446

Rate data is compiled from all 50 U.S. states and averaged for all 2002 Toyota Sequoia models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $500 for only liability insurance to a high rate of $2,010 for a high risk driver.

Liability Only $500
Full Coverage $938
High Risk $2,010

View Chart as Image

2002 Toyota Sequoia insurance rates compared
Column chart showing 2002 Toyota Sequoia insurance prices range from $577 to $3,800 for full coverage

These differences show why all drivers should compare prices for a targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2002 Toyota Sequoia Insurance

Searching Companies

Looking for the cheapest insurance coverage rates for your Toyota Sequoia? Are you tired of paying out the nose to pay your car insurance bill each month? You’re in the same situation as the majority of other car owners.

Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurers to find the absolute best rate

Smart consumers take time to compare rates once or twice a year since rates go up and down regularly. Even if you got the best deal on Sequoia insurance on your last policy other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to find out the best methods to get good coverage at a lower rate.

Do you qualify for a discount?

Car insurance companies don’t always advertise all available discounts very well, so we researched both well-publicized and the more hidden savings tricks you should be using.

  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Defensive Driving Course – Completing a driver safety course can save you 5% or more if you qualify.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Paperless Signup – Some insurance companies will give a small break simply for signing over the internet.
  • Save over 55 – Mature drivers may be able to get reduced rates on Sequoia insurance.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Sequoia insurance depending on your company.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.

It’s important to understand that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of insurance companies offering auto insurance discounts, click here.

What coverages do I need?

When choosing the right insurance coverage, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether you may require specific advice.

  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need replacement cost coverage on my 2002 Toyota Sequoia?
  • Do I need medical payments coverage since I have good health insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I have a commercial auto policy?
  • Is there coverage for injuries to my pets?
  • Does coverage extend to my business vehicle?
  • What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage specifics

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Toyota Sequoia.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability car insurance

This coverage can cover injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability can pay for claims such as medical expenses, loss of income, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your Sequoia caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, rolling your car, colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses such as doctor visits, rehabilitation expenses, pain medications, EMT expenses and hospital visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass, damage from a tornado or hurricane and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Knowledge is power

Throughout this article, we presented a lot of tips how to get a better price on 2002 Toyota Sequoia insurance. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best prices are with some of the smallest insurance companies. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

Lower-priced insurance can be purchased both online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

More information can be found at these links:

Rates by U.S. City

2002 Toyota Sequoia Insurance Rates by City
City Premium
New York City, NY $1,485
Los Angeles, CA $1,605
Philadelphia, PA $1,257
Jacksonville, FL $1,364
Phoenix, AZ $1,092
Chicago, IL $1,260
Houston, TX $1,472
Seattle, WA $915
Columbus, OH $784
Indianapolis, IN $798

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $3,800
20 $2,138
30 $954
40 $938
50 $862
60 $844

Full coverage, $500 deductibles

Rates by Deductible

2002 Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,082
$250 $1,016
$500 $938
$1,000 $862

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $938
50/100 $1,027
100/300 $1,139
250/500 $1,429
100 CSL $1,072
300 CSL $1,317
500 CSL $1,496

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $5,336
20 $3,400
30 $2,024
40 $2,010
50 $1,922
60 $1,902

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $123

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $47
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $55
5-yr Claim Free $58
Paid in Full/EFT $32
Advance Quote $40
Online Quote $62
Total Discounts $361
Rate after discounts $577

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2002 Toyota Sequoia Insurance Rates by State
State Premium
Alabama $850
Alaska $720
Arizona $780
Arkansas $938
California $1,070
Colorado $898
Connecticut $966
Delaware $1,064
Florida $1,176
Georgia $866
Hawaii $674
Idaho $634
Illinois $700
Indiana $706
Iowa $634
Kansas $892
Kentucky $1,280
Louisiana $1,390
Maine $580
Maryland $774
Massachusetts $754
Michigan $1,632
Minnesota $786
Mississippi $1,128
Missouri $834
Montana $1,008
Nebraska $742
Nevada $1,128
New Hampshire $678
New Jersey $1,050
New Mexico $832
New York $990
North Carolina $544
North Dakota $768
Ohio $648
Oklahoma $964
Oregon $860
Pennsylvania $898
Rhode Island $1,254
South Carolina $850
South Dakota $792
Tennessee $824
Texas $1,132
Utah $694
Vermont $644
Virginia $562
Washington $726
West Virginia $860
Wisconsin $652
Wyoming $838

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