Toyota Sequoia Insurance Rates

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

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The example below illustrates how where you live affects insurance prices.

The examples above show why everyone should get quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below shows estimated Toyota Sequoia insurance rates for other coverage scenarios.

• The best discount rate is $834
• Choosing higher $1,000 deductibles can save approximately $196 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,446
• Using pricier low deductibles for comp and collision coverage will cost an extra $386 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,126 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,362 each year

View Chart as Image

Auto insurance rates for a Toyota Sequoia also range considerably based on your risk profile, the trim level of your Sequoia, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Sequoia insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,070 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $590 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,700 to $2,300 in extra premium every year, depending on your age. Toyota Sequoia insurance for high-risk drivers ranges from 43% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted 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 insurance for a Toyota Sequoia takes being a low-risk driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a condensed summary of the data touched on in the above illustrations.

• Insureds who want more liability coverage will pay an extra $460 each year to raise limits from a 30/60 limit to 250/500 limits
• Drivers can save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $575 each year
• Teen drivers are the costliest to insure, costing up to $447 each month if they have full coverage