Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,454 a year with full coverage. Comprehensive costs on average $332 a year, collision costs $566, and liability costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing around $3,136. 16-year-old drivers cost the most to insure at $5,348 a year or more.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than congested cities.

The diagram below illustrates how location impacts car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below details estimated Toyota Sequoia insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $836
• Using higher $1,000 deductibles will save around $1,250 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,454
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,848
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,136 or more
• Policy cost for full coverage for a 16-year-old driver may cost $5,348 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $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 $1,050 a year in states like New Hampshire, Ohio, and Utah, or at least $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $600 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so the 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 the Right Toyota Sequoia Insurance

Finding cheaper rates on insurance for a Toyota Sequoia requires being a safe and courteous driver, maintaining good credit, not filing small claims, and bundling your home and auto policies. Spend time shopping around at least once a year by getting price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a quick rundown of the primary concepts that were touched on above.

• You may be able to save as much as $180 per year simply by quoting early and online
• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,680 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save around $600 each year
• Teenage drivers pay the highest rates, as much as $446 each month for full coverage