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 costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage costing around $3,126. Teen drivers 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 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and risk profile, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $834
• Using higher $1,000 deductibles will save about $1,250 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,446
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,832
• Drivers with multiple violations and an at-fault accident could pay at least $3,126 or more
• Policy cost for full coverage for a teen driver can be $5,362 or more

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 may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest 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 has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $590 every 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 can be as much as 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, 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 car insurance requires not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the data that was touched on in this article.

• You may be able to save up to $170 per year simply by quoting early and online
• Policyholders who may need higher liability limits will pay about $460 per year to increase from a 30/60 limit to 250/500 limits
• Teens are charged the highest rates, with premiums being up to $447 each month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents pay on average $1,680 more every year for Sequoia insurance