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2012 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 2012 Toyota Sequoia are $1,202 a year for full coverage insurance. Comprehensive insurance costs approximately $234, collision insurance costs $346, and liability coverage costs around $464. Buying a liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,590 or more. Teenage drivers receive the highest rates at up to $4,646 a year.

Annual premium for full coverage: $1,202

Rate estimates for 2012 Toyota Sequoia Insurance

Comprehensive $234
Collision $346
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 range from as low as $514 for just liability insurance to the much higher price of $2,590 for a high risk driver.

Liability Only $514
Full Coverage $1,202
High Risk $2,590

View Chart as Image

2012 Toyota Sequoia insurance rates compared
Column chart showing 2012 Toyota Sequoia insurance prices range from $709 to $4,646 for full coverage

These differences illustrate why everyone should compare prices using their specific location and risk profile, rather than using 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 2012 Toyota Sequoia Insurance

Searching Companies

Have you fallen victim to an overpriced insurance coverage policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Many insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurance company to find the absolute lowest rate possible.

You need to get comparison quotes once or twice a year since insurance rates are rarely the same from one policy term to another. Just because you found the best deal for Sequoia insurance last year you will most likely find a better rate today. So just ignore everything you know about insurance coverage because it’s time to teach you one of the best ways to lower your annual insurance bill.

Discounts can save BIG

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but some must be inquired about before you will receive the discount. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Bundle and Save – If you insure your home and vehicles with the same company you will save at least 10% off all policies.
  • College Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Organization Discounts – Affiliation with certain professional organizations could qualify you for a break on insurance coverage for Sequoia insurance.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Low Mileage – Keeping the miles down on your Toyota can earn lower rates on the low mileage vehicles.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will bring down the amount you have to pay.

To see a list of insurance companies offering insurance coverage discounts, click here to view.

How to Compare Insurance Coverage Rates

There are a lot of ways to compare insurance coverage prices but some are less time-consuming than others. You can waste a lot of time talking about coverages with local insurance agents in your area, or you could save time and use the internet to achieve your goal.

Most major companies belong to a marketplace that enables customers to enter their policy data once, and each company returns a competitive quote. This saves time by eliminating quotation requests for each company you want a rate for.

To use this form to compare 2012 Toyota Sequoia insurance rates click here to open in new window.

The one downside to comparing rates this way is you cannot specify the companies to receive prices from. So if you want to choose individual companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

However you get your quotes, be sure to compare apples-to-apples information for each price quote. If you enter unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Toyota Sequoia.

What determines your Toyota Sequoia insurance premium

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in lower auto insurance prices.

The list below includes some of the items that factor into premiums.

  • What are your deductibles? – Your deductibles represent how much money you are required to spend in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and windstorm damage. The more expense the insured has to pay upfront, the less your company will charge you for insurance for Sequoia insurance.
  • Men fork out a little more – Statistics have proven that women are safer drivers than men. However, don’t assume that women are better drivers. Women and men cause accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as DWI and reckless driving.
  • Clean credit earns discounts – Having a bad credit history is a large factor in calculating your auto insurance rates. If your credit is not that good, you could save money insuring your 2012 Toyota Sequoia by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.
  • Your occupation can affect rates – Occupations like real estate brokers, business owners and financial analysts tend to have higher average rates attributed to high stress and lots of time spent at work. Conversely, professions such as actors, engineers and retirees receive lower rates for Sequoia insurance.
  • Never allow your policy to lapse – Driving with no insurance is illegal and auto insurance companies will penalize you for letting your insurance lapse. Not only will you pay more, failure to provide proof of insurance may earn you a steep fine or even jail time.
  • Lower rates with optional equipment – Owning a car with an alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • One company can mean more discounts – Some insurance companies give discounts to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even if you’re getting this discount it’s still a good idea to shop around to verify if the discount is saving money.

Will just any policy work for me?

When buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions could help you determine if your insurance needs might need professional guidance.

  • Why am I required to buy liability insurance?
  • What is roadside assistance coverage?
  • Do I need an umbrella policy?
  • Is my ex-spouse still covered by my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Who is covered by my policy?
  • Do I benefit by insuring my home with the same company?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Do drivers who switch really save $412 a year?

Drivers get pounded daily by advertisements that promise big savings from companies such as Progressive, Allstate and GEICO. All the companies make an identical promise about savings if you switch your policy.

How does each company say the same thing?

Insurance companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured could be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A driver who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Consumers who don’t qualify for this ideal profile must pay a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can make those claims.

This illustrates why drivers must compare many company’s rates. It’s not possible to predict the company that will provide you with the cheapest Toyota Sequoia insurance rates.

Learn about car insurance coverages for a 2012 Toyota Sequoia

Having a good grasp of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on most car insurance policies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Toyota Sequoia.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision protection

Collision insurance will pay to fix damage to your Sequoia resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Auto liability insurance

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like structural damage, funeral expenses, loss of income, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive car insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, damage from a tornado or hurricane, rock chips in glass and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like surgery, hospital visits, EMT expenses, pain medications and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

More quotes mean more savings

We covered some good ideas how you can reduce 2012 Toyota Sequoia insurance prices online. The key concept to understand is the more providers you compare, the better your comparison will be. You may even discover the most savings is with some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

More detailed insurance information can be read by following these links:

Rates by U.S. City

2012 Toyota Sequoia Insurance Rates by City
City Premium
New York City, NY $1,899
Los Angeles, CA $2,055
Philadelphia, PA $1,604
Jacksonville, FL $1,745
Phoenix, AZ $1,397
Chicago, IL $1,613
Houston, TX $1,885
Seattle, WA $1,169
Columbus, OH $1,004
Indianapolis, IN $1,022

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $4,646
20 $2,746
30 $1,236
40 $1,202
50 $1,100
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

2012 Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,454
$250 $1,338
$500 $1,202
$1,000 $1,070

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,202
50/100 $1,295
100/300 $1,411
250/500 $1,712
100 CSL $1,341
300 CSL $1,596
500 CSL $1,782

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $6,586
20 $4,376
30 $2,626
40 $2,590
50 $2,470
60 $2,448

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $77
Paid in Full/EFT $49
Advance Quote $56
Online Quote $84
Total Discounts $493
Rate after discounts $709

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

Find companies with the cheapest rates in your area

2012 Toyota Sequoia Insurance Rates by State
State Premium
Alabama $1,086
Alaska $920
Arizona $998
Arkansas $1,202
California $1,370
Colorado $1,148
Connecticut $1,236
Delaware $1,360
Florida $1,504
Georgia $1,108
Hawaii $864
Idaho $812
Illinois $896
Indiana $904
Iowa $812
Kansas $1,142
Kentucky $1,640
Louisiana $1,780
Maine $742
Maryland $990
Massachusetts $962
Michigan $2,088
Minnesota $1,006
Mississippi $1,440
Missouri $1,066
Montana $1,290
Nebraska $948
Nevada $1,440
New Hampshire $864
New Jersey $1,342
New Mexico $1,064
New York $1,266
North Carolina $692
North Dakota $982
Ohio $830
Oklahoma $1,234
Oregon $1,100
Pennsylvania $1,146
Rhode Island $1,604
South Carolina $1,088
South Dakota $1,014
Tennessee $1,052
Texas $1,450
Utah $890
Vermont $824
Virginia $720
Washington $928
West Virginia $1,100
Wisconsin $832
Wyoming $1,072

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