Toyota Sequoia Insurance Rates
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UPDATED: Dec 9, 2019
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The average insurance rates for a Toyota Sequoia are $1,366 a year for full coverage. Comprehensive insurance costs an estimated $282 each year, collision costs $474, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing $2,952 or more. 16-year-old drivers cost the most to insure at $5,160 a year or more.
Average premium for full coverage: $1,366
Policy rates broken down by type of insurance:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Sequoia models.
Price Range Variability
For a 40-year-old driver, Toyota Sequoia insurance rates go from as low as $504 for just liability insurance to a high rate of $2,952 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities.
The graphic below illustrates how your location can change insurance prices.
The examples above show why all drivers should get quotes for a targeted area and risk profile, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows estimated Toyota Sequoia insurance rates for other coverage scenarios.
- The best full coverage rate is $793
- Choosing higher $1,000 deductibles can save approximately $172 a year
- The average rate for a good driver age 40 who has $500 deductibles is $1,366
- Buying low deductibles for comp and collision coverage will cost an extra $332 every year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,952 or more
- Policy cost for full coverage for a teen driver can cost as much as $5,160 each year
Car 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.
More mature drivers with no driving violations and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $5,100 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 $900 a year in states like Iowa, Maine, and Idaho, or at least $1,950 on average in New York, Louisiana, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Opting for high physical damage deductibles can save as much as $510 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. 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 $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Toyota Sequoia SR/5 2WD||$1,294||$108|
|Toyota Sequoia SR/5 4WD||$1,330||$111|
|Toyota Sequoia Limited 2WD||$1,366||$114|
|Toyota Sequoia Limited 4WD||$1,402||$117|
|Toyota Sequoia Platinum 2WD||$1,436||$120|
|Toyota Sequoia Platinum 4WD||$1,436||$120|
Rates assume 2017 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Toyota Sequoia||$282||$474||$452||$1,366|
|2012 Toyota Sequoia||$228||$322||$474||$1,182|
|2010 Toyota Sequoia||$206||$272||$478||$1,114|
|2008 Toyota Sequoia||$180||$226||$474||$1,038|
|2007 Toyota Sequoia||$174||$202||$468||$1,002|
|2006 Toyota Sequoia||$172||$198||$460||$988|
|2005 Toyota Sequoia||$168||$188||$452||$966|
|2004 Toyota Sequoia||$154||$180||$446||$938|
|2003 Toyota Sequoia||$150||$170||$442||$920|
Rates are averaged for all Toyota Sequoia models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Toyota Sequoia Insurance
Finding cheaper rates on car insurance takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The list below is a brief summary of the information illustrated above.
- Drivers can save approximately $160 per year simply by quoting online in advance
- Teenagers have the highest car insurance rates, costing up to $430 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save around $500 each year
- Higher risk drivers that tend to have accidents or serious violations pay an average of $1,590 more annually for car insurance
- Policyholders who want higher liability limits will pay around $500 each year to raise limits from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$97|
|5-yr Claim Free||$88|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.
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