1. Vehicles
  2. Toyota
  3. Sequoia
  4. 2005 Model Year

2005 Toyota Sequoia Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Jun 12, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2005 Toyota Sequoia are $1,002 a year for full coverage insurance. Comprehensive costs an estimated $174 a year, collision insurance costs $202, and liability costs $468. Buying a liability-only policy costs as little as $518 a year, and high-risk insurance costs around $2,150. Teenage drivers receive the highest rates at up to $4,024 a year.

Annual premium for full coverage: $1,002

Rate estimates for 2005 Toyota Sequoia Insurance

Comprehensive $174
Collision $202
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 the average driver, prices range range from as low as $518 for the bare minimum liability coverage to a high of $2,150 for a driver that may need high-risk insurance.

Liability Only $518
Full Coverage $1,002
High Risk $2,150

View Chart as Image

2005 Toyota Sequoia insurance rates compared
Column chart showing 2005 Toyota Sequoia insurance prices range from $612 to $4,024 for full coverage

These differences illustrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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 2005 Toyota Sequoia Insurance

Searching Companies

Locating the cheapest insurance for a new or used Toyota Sequoia can be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to find auto insurance online so you’re going to learn the absolute fastest way to price shop coverage for a new or used Toyota and locate the lowest possible price.

It’s smart to take a look at other company’s rates every six months because prices change frequently. Just because you had the best rates for Sequoia insurance six months ago other companies may now be cheaper. There is a lot of bad advice regarding auto insurance online but we’re going to give you some excellent ideas to reduce your auto insurance bill.

Free Car Insurance Quotes

Getting a cheaper price on 2005 Toyota Sequoia insurance is actually quite simple. Drivers just need to spend a few minutes on the computer to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The most efficient way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for boring form submissions for each company. Filling out one form will get you price quotes from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A more time consuming way to compare prices consists of going to each individual company website and request a quote. For instance, we’ll assume you want to compare Allstate, Safeco and Farmers. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  • The hardest way to compare rates is driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you want the personal advice only provided by licensed agents. However, consumers can comparison shop online and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples deductibles and coverage limits on every quote. If you use differing limits you will not be able to make an equal comparison.

Insurance agents can help

When it comes to buying coverage, there isn’t really a perfect coverage plan. Each situation is unique.

For instance, these questions may help highlight if you could use an agent’s help.

  • Can I rent a car in Mexico?
  • What vehicles should carry emergency assistance coverage?
  • At what point should I drop full coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Why do I need rental car insurance?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about 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. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as hospital visits, prosthetic devices and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer, vandalism, theft and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, repair bills for other people’s vehicles, bail bonds and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Collision coverage

Collision coverage pays for damage to your Sequoia resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Rates by U.S. City

2005 Toyota Sequoia Insurance Rates by City
City Premium
New York City, NY $1,590
Los Angeles, CA $1,713
Philadelphia, PA $1,341
Jacksonville, FL $1,459
Phoenix, AZ $1,165
Chicago, IL $1,346
Houston, TX $1,573
Seattle, WA $978
Columbus, OH $840
Indianapolis, IN $854

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $4,024
20 $2,280
30 $1,022
40 $1,002
50 $922
60 $902

Full coverage, $500 deductibles

Rates by Deductible

2005 Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,164
$250 $1,092
$500 $1,002
$1,000 $916

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,002
50/100 $1,096
100/300 $1,213
250/500 $1,517
100 CSL $1,142
300 CSL $1,400
500 CSL $1,587

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $5,660
20 $3,632
30 $2,168
40 $2,150
50 $2,056
60 $2,034

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 $132

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $60
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $68
Total Discounts $390
Rate after discounts $612

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

Find companies with the cheapest rates in your area

2005 Toyota Sequoia Insurance Rates by State
State Premium
Alabama $910
Alaska $772
Arizona $832
Arkansas $1,002
California $1,142
Colorado $960
Connecticut $1,034
Delaware $1,138
Florida $1,258
Georgia $926
Hawaii $722
Idaho $680
Illinois $748
Indiana $756
Iowa $676
Kansas $956
Kentucky $1,370
Louisiana $1,486
Maine $620
Maryland $828
Massachusetts $804
Michigan $1,744
Minnesota $840
Mississippi $1,202
Missouri $890
Montana $1,080
Nebraska $794
Nevada $1,204
New Hampshire $724
New Jersey $1,122
New Mexico $890
New York $1,060
North Carolina $578
North Dakota $822
Ohio $694
Oklahoma $1,030
Oregon $920
Pennsylvania $958
Rhode Island $1,340
South Carolina $910
South Dakota $848
Tennessee $880
Texas $1,210
Utah $742
Vermont $688
Virginia $602
Washington $776
West Virginia $920
Wisconsin $694
Wyoming $896

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles