Toyota Sequoia Insurance Rates

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

Average premium for full coverage: $1,446

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

The examples above show why all drivers should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

More Rate Information

The chart below shows average Toyota Sequoia insurance rates for different risk profiles and scenarios.

• The best discount rate is $834
• Raising to $1,000 deductibles will save around $196 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,446
• Using low deductibles will cost an additional $386 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,126
• Policy cost that insures a 16-year-old driver may cost $5,362

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

Your home state also has a big influence on Toyota Sequoia insurance prices. A middle-age driver might find rates as low as $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,070 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $590 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

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 More Affordable Toyota Sequoia Insurance

Finding cheaper rates on insurance for a Toyota Sequoia consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at every policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a summary of the data touched on in this article.

• Insureds who require increased liability limits will pay an extra $460 each year to raise from a 30/60 limit to the 250/500 level
• Drivers can save as much as $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Drivers under the age of 20 pay higher rates, costing up to $447 each month if comprehensive and collision insurance is included