Toyota Sequoia Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 9, 2019

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Average insurance rates for a Toyota Sequoia are $1,404 a year for full coverage. Comprehensive costs on average $292 a year, collision costs $512, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $3,040. Teen drivers receive the highest rates at $5,280 a year or more.

Average premium for full coverage: $1,404

Rate estimates by individual coverage type:

Comprehensive $292
Collision $512
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Sequoia trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $3,040 for a high risk driver.

Liability Only $496
Full Coverage $1,404
High Risk $3,040

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $809
  • Drivers who choose higher $1,000 deductibles will pay around $1,220 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,404
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,756
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,040 or more
  • The cost for full coverage for a teen driver may cost $5,280 a year

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing full coverage Toyota Sequoia insurance rates range from $809 to $5,280

for a Toyota Sequoia can also vary considerably based on your driver profile, the trim level of your Sequoia, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,200 a year. View Rates by Age

Where you live makes a big difference in Toyota Sequoia insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,000 on average in Michigan, Louisiana, and New York.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,270 -$134 -9.5%
Alaska $1,078 -$326 -23.2%
Arizona $1,166 -$238 -17.0%
Arkansas $1,404 -$0 0.0%
California $1,600 $196 14.0%
Colorado $1,342 -$62 -4.4%
Connecticut $1,444 $40 2.8%
Delaware $1,588 $184 13.1%
Florida $1,756 $352 25.1%
Georgia $1,296 -$108 -7.7%
Hawaii $1,008 -$396 -28.2%
Idaho $950 -$454 -32.3%
Illinois $1,046 -$358 -25.5%
Indiana $1,058 -$346 -24.6%
Iowa $948 -$456 -32.5%
Kansas $1,336 -$68 -4.8%
Kentucky $1,916 $512 36.5%
Louisiana $2,078 $674 48.0%
Maine $866 -$538 -38.3%
Maryland $1,160 -$244 -17.4%
Massachusetts $1,124 -$280 -19.9%
Michigan $2,440 $1,036 73.8%
Minnesota $1,174 -$230 -16.4%
Mississippi $1,682 $278 19.8%
Missouri $1,246 -$158 -11.3%
Montana $1,510 $106 7.5%
Nebraska $1,106 -$298 -21.2%
Nevada $1,682 $278 19.8%
New Hampshire $1,010 -$394 -28.1%
New Jersey $1,570 $166 11.8%
New Mexico $1,242 -$162 -11.5%
New York $1,480 $76 5.4%
North Carolina $808 -$596 -42.5%
North Dakota $1,150 -$254 -18.1%
Ohio $970 -$434 -30.9%
Oklahoma $1,442 $38 2.7%
Oregon $1,286 -$118 -8.4%
Pennsylvania $1,340 -$64 -4.6%
Rhode Island $1,874 $470 33.5%
South Carolina $1,270 -$134 -9.5%
South Dakota $1,186 -$218 -15.5%
Tennessee $1,232 -$172 -12.3%
Texas $1,692 $288 20.5%
Utah $1,040 -$364 -25.9%
Vermont $962 -$442 -31.5%
Virginia $842 -$562 -40.0%
Washington $1,086 -$318 -22.6%
West Virginia $1,286 -$118 -8.4%
Wisconsin $972 -$432 -30.8%
Wyoming $1,252 -$152 -10.8%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

Choosing high deductibles could save up to $540 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Toyota Sequoia Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Sequoia SR/5 2WD $1,328 $111
Toyota Sequoia SR/5 4WD $1,366 $114
Toyota Sequoia Limited 2WD $1,404 $117
Toyota Sequoia Limited 4WD $1,442 $120
Toyota Sequoia Platinum 2WD $1,478 $123
Toyota Sequoia Platinum 4WD $1,478 $123

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.

Toyota Sequoia Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Toyota Sequoia $292 $512 $442 $1,404
2012 Toyota Sequoia $234 $346 $464 $1,202
2010 Toyota Sequoia $210 $300 $474 $1,142
2008 Toyota Sequoia $192 $248 $474 $1,072
2007 Toyota Sequoia $180 $226 $474 $1,038
2006 Toyota Sequoia $174 $202 $468 $1,002
2005 Toyota Sequoia $172 $198 $460 $988
2004 Toyota Sequoia $168 $188 $452 $966
2003 Toyota Sequoia $154 $180 $446 $938
2002 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 Cheaper Toyota Sequoia Insurance

Saving money on Toyota Sequoia insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $525 each year
  • Drivers can save as much as $170 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $440 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,640 more each year for insurance

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,280
20 $3,234
30 $1,462
40 $1,404
50 $1,282
60 $1,258

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,756
$250 $1,594
$500 $1,404
$1,000 $1,220

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,404
50/100 $1,566
100/300 $1,677
250/500 $1,964
100 CSL $1,611
300 CSL $1,854
500 CSL $2,031

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,526
20 $5,156
30 $3,102
40 $3,040
50 $2,902
60 $2,876

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.

SR-22 Surcharge $196

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $102
5-yr Claim Free $91
Paid in Full/EFT $63
Advance Quote $69
Online Quote $100
Total Discounts $595
Rate after discounts $809

Discounts are estimated and may not be available from every company or in every state.

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