Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year including full coverage. Comprehensive costs around $320 a year, collision costs $552, and liability insurance is estimated at $416. Liability-only coverage costs approximately $474 a year, with high-risk coverage costing around $3,126. Teens cost the most to insure at $5,362 a year or more.

Average premium for full coverage: $1,446

Policy rates for type of insurance:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Toyota Sequoia insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $834
• Choosing higher $1,000 deductibles can save about $1,250 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,446
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,832
• High-risk insureds with serious driving violations could pay at least $3,126 or more
• Policy cost for full coverage for a teen driver can be $5,362 each year

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on your risk profile, the model of your Sequoia, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Sequoia insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 each year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheaper Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance takes having a good driving record, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates at every policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a condensed summary of the data covered in the charts and tables above.

• Drivers who may need increased levels of liability coverage will pay approximately $460 per year to raise limits from a 30/60 limit to 250/500 limits
• You may be able to save up to $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers age 20 and younger are charged the highest rates, with premiums being up to $447 each month including comprehensive and collision insurance