Toyota Sequoia Insurance Rates

The average insurance prices for a Toyota Sequoia are $1,446 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $320 each year, collision insurance costs $552, and liability coverage costs $416. Liability-only coverage costs as little as $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:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Toyota Sequoia insurance rates for additional coverage and risk scenarios.

• The best discount rate is $834
• Drivers who choose higher $1,000 deductibles will pay $196 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,446
• Using low deductibles for comprehensive and collision insurance costs an extra $386 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,126
• Policy cost to insure a teenage driver can cost $5,362 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $590 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Toyota Sequoia insurance rates. A 40-year-old driver could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

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 Shop for the Cheapest Toyota Sequoia Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to compare rates once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below is a recap of the data that was presented in the illustrations above.

• It is possible to save around $170 per year just by quoting online in advance
• Consumers who purchase higher levels of liability will pay an extra $460 annually to go from a 30/60 limit to a 250/500 level
• Teenage drivers are the costliest to insure, possibly costing $447 each month if full coverage is included
• Drivers that have major violations or accidents may have to pay on average $1,680 more per year for auto insurance