Toyota Sequoia Insurance Rates

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UPDATED: May 27, 2024

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U.S. average auto insurance rates for a Toyota Sequoia are $1,454 annually for full coverage insurance. Comprehensive costs an estimated $332, collision insurance costs $566, and liability insurance costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs around $3,136. Teen drivers pay the highest rates at up to $5,348 a year.

Average premium for full coverage: $1,454

Price estimates broken down by individual coverage:

Comprehensive $332
Collision $566
Liability $398

These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all Sequoia models.

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota Sequoia insurance prices range from as cheap as $460 for your basic liability-only policy to the much higher price of $3,136 for a driver that may need high-risk insurance.

Liability Only $460
Full Coverage $1,454
High Risk $3,136

Geographic Price Range

Your location has a significant impact on the price of insurance. More rural locations have fewer physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

The ranges above illustrate why everyone should compare rates for a targeted area and their own personal driving habits, 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.

More Rate Information

The chart below illustrates average Toyota Sequoia insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $836
  • Drivers who choose higher $1,000 deductibles will pay approximately $204 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,454
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,848
  • High risk drivers with multiple violations and an at-fault accident could pay up to $3,136
  • The price with full coverage for a teen driver for full coverage can cost as much as $5,348 a year

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing Toyota Sequoia insurance rates range from $836 to $5,348 for full coverage

Auto insurance prices for a Toyota Sequoia are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,700 to $2,300 in extra premium each year, depending on your age. Toyota Sequoia insurance for high-risk drivers can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $600 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

The state you live in 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 as much as $1,970 on average in Florida, New York, and Michigan.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,316 -$138 -9.5%
Alaska $1,116 -$338 -23.2%
Arizona $1,208 -$246 -16.9%
Arkansas $1,454 -$0 0.0%
California $1,658 $204 14.0%
Colorado $1,388 -$66 -4.5%
Connecticut $1,496 $42 2.9%
Delaware $1,646 $192 13.2%
Florida $1,820 $366 25.2%
Georgia $1,344 -$110 -7.6%
Hawaii $1,044 -$410 -28.2%
Idaho $984 -$470 -32.3%
Illinois $1,086 -$368 -25.3%
Indiana $1,096 -$358 -24.6%
Iowa $982 -$472 -32.5%
Kansas $1,384 -$70 -4.8%
Kentucky $1,984 $530 36.5%
Louisiana $2,154 $700 48.1%
Maine $898 -$556 -38.2%
Maryland $1,200 -$254 -17.5%
Massachusetts $1,164 -$290 -19.9%
Michigan $2,528 $1,074 73.9%
Minnesota $1,218 -$236 -16.2%
Mississippi $1,744 $290 19.9%
Missouri $1,290 -$164 -11.3%
Montana $1,562 $108 7.4%
Nebraska $1,148 -$306 -21.0%
Nevada $1,746 $292 20.1%
New Hampshire $1,050 -$404 -27.8%
New Jersey $1,626 $172 11.8%
New Mexico $1,290 -$164 -11.3%
New York $1,534 $80 5.5%
North Carolina $838 -$616 -42.4%
North Dakota $1,192 -$262 -18.0%
Ohio $1,004 -$450 -30.9%
Oklahoma $1,496 $42 2.9%
Oregon $1,332 -$122 -8.4%
Pennsylvania $1,388 -$66 -4.5%
Rhode Island $1,942 $488 33.6%
South Carolina $1,318 -$136 -9.4%
South Dakota $1,228 -$226 -15.5%
Tennessee $1,274 -$180 -12.4%
Texas $1,754 $300 20.6%
Utah $1,078 -$376 -25.9%
Vermont $996 -$458 -31.5%
Virginia $870 -$584 -40.2%
Washington $1,126 -$328 -22.6%
West Virginia $1,334 -$120 -8.3%
Wisconsin $1,008 -$446 -30.7%
Wyoming $1,296 -$158 -10.9%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

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 $1,368 $114
Toyota Sequoia SR/5 4WD $1,412 $118
Toyota Sequoia Limited 2WD $1,454 $121
Toyota Sequoia Limited 4WD $1,496 $125
Toyota Sequoia Platinum 2WD $1,538 $128
Toyota Sequoia Platinum 4WD $1,538 $128

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.

Toyota Sequoia Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Sequoia $346 $570 $390 $1,464
2023 Toyota Sequoia $332 $566 $398 $1,454
2022 Toyota Sequoia $320 $552 $416 $1,446
2021 Toyota Sequoia $310 $530 $430 $1,428
2020 Toyota Sequoia $292 $512 $442 $1,404
2019 Toyota Sequoia $282 $474 $452 $1,366
2018 Toyota Sequoia $270 $446 $456 $1,330
2017 Toyota Sequoia $258 $400 $460 $1,276
2016 Toyota Sequoia $242 $368 $460 $1,228
2012 Toyota Sequoia $206 $272 $478 $1,114
2010 Toyota Sequoia $180 $226 $474 $1,038
2008 Toyota Sequoia $172 $198 $460 $988
2007 Toyota Sequoia $168 $188 $452 $966
2006 Toyota Sequoia $154 $180 $446 $938
2005 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 Buy Cheap Toyota Sequoia Insurance

Getting lower rates on Toyota Sequoia insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the data that was raised in the charts and tables above.

  • It is possible to save approximately $180 per year just by quoting online well ahead of the renewal date
  • Drivers who want more liability protection will pay about $440 annually to go from a low limit to higher 250/500 limits
  • Youthful drivers are the costliest to insure, as much as $446 a month if full coverage is included
  • High-risk drivers that tend to have accidents or serious violations may pay on average $1,680 more annually than a low-risk driver

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,348
20 $3,342
30 $1,522
40 $1,454
50 $1,328
60 $1,302

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,848
$250 $1,666
$500 $1,454
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,454
50/100 $1,618
100/300 $1,717
250/500 $1,976
100 CSL $1,657
300 CSL $1,876
500 CSL $2,036

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,638
20 $5,310
30 $3,212
40 $3,136
50 $2,992
60 $2,966

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 $200

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $107
5-yr Claim Free $94
Paid in Full/EFT $67
Advance Quote $72
Online Quote $104
Total Discounts $618
Rate after discounts $836

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

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