Toyota Sequoia Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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Average insurance prices for a Toyota Sequoia are $1,366 every 12 months for full coverage. Comprehensive costs around $282, collision costs $474, and liability costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $2,952. Teen drivers receive the highest rates at $5,160 a year or more.

Average premium for full coverage: $1,366

Rate estimates for individual coverage type:

Comprehensive $282
Collision $474
Liability $452

Prices include $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Sequoia trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from the cheapest price of $504 for just liability insurance to a much higher rate of $2,952 for a policy for a high-risk driver.

Liability Only $504
Full Coverage $1,366
High Risk $2,952

Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,025
Small Cities $1,434
Large Cities $1,844

These examples show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of making a decision based 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 Details

The chart below shows estimated Toyota Sequoia insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $793
  • Using higher $1,000 deductibles will save about $172 a year
  • The average price for a 40-year-old driver using $500 deductibles is $1,366
  • Choosing more expensive low deductibles for physical damage coverage increases the price to $1,698
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,952 or more
  • The cost to insure a 16-year-old driver with full coverage can be $5,160 or more

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing full coverage Toyota Sequoia insurance rates range from $793 to $5,160

Car insurance rates for a Toyota Sequoia can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $510 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can be from 43% to 131% more than average. View High Risk Driver Rates

Where you live has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and New York.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,234 -$132 -9.7%
Alaska $1,048 -$318 -23.3%
Arizona $1,134 -$232 -17.0%
Arkansas $1,366 -$0 0.0%
California $1,554 $188 13.8%
Colorado $1,302 -$64 -4.7%
Connecticut $1,404 $38 2.8%
Delaware $1,544 $178 13.0%
Florida $1,708 $342 25.0%
Georgia $1,260 -$106 -7.8%
Hawaii $980 -$386 -28.3%
Idaho $924 -$442 -32.4%
Illinois $1,018 -$348 -25.5%
Indiana $1,028 -$338 -24.7%
Iowa $920 -$446 -32.7%
Kansas $1,296 -$70 -5.1%
Kentucky $1,862 $496 36.3%
Louisiana $2,020 $654 47.9%
Maine $842 -$524 -38.4%
Maryland $1,126 -$240 -17.6%
Massachusetts $1,092 -$274 -20.1%
Michigan $2,372 $1,006 73.6%
Minnesota $1,144 -$222 -16.3%
Mississippi $1,634 $268 19.6%
Missouri $1,212 -$154 -11.3%
Montana $1,466 $100 7.3%
Nebraska $1,078 -$288 -21.1%
Nevada $1,638 $272 19.9%
New Hampshire $984 -$382 -28.0%
New Jersey $1,526 $160 11.7%
New Mexico $1,210 -$156 -11.4%
New York $1,438 $72 5.3%
North Carolina $786 -$580 -42.5%
North Dakota $1,118 -$248 -18.2%
Ohio $944 -$422 -30.9%
Oklahoma $1,400 $34 2.5%
Oregon $1,250 -$116 -8.5%
Pennsylvania $1,302 -$64 -4.7%
Rhode Island $1,820 $454 33.2%
South Carolina $1,236 -$130 -9.5%
South Dakota $1,152 -$214 -15.7%
Tennessee $1,196 -$170 -12.4%
Texas $1,646 $280 20.5%
Utah $1,010 -$356 -26.1%
Vermont $934 -$432 -31.6%
Virginia $816 -$550 -40.3%
Washington $1,056 -$310 -22.7%
West Virginia $1,250 -$116 -8.5%
Wisconsin $944 -$422 -30.9%
Wyoming $1,216 -$150 -11.0%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

With so much variability in rates, the only way to know your exact price is to compare rates from multiple companies. Each insurance company uses a different rate calculation, so rate quotes can be significantly different.

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 $1,294 $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.

Toyota Sequoia Insurance Rates by Model Year
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 Shop for the Right Toyota Sequoia Insurance

Saving money on insurance for a Toyota Sequoia requires not taking risks behind the wheel, maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a quick rundown of the coverage data presented in the illustrations above.

  • Drivers can save up to $160 per year simply by shopping early and online
  • Increasing deductibles could save as much as $500 each year
  • Teens are the costliest to insure, costing as high as $430 per month if the policy includes full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,590 more every year for Sequoia insurance

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,160
20 $3,140
30 $1,416
40 $1,366
50 $1,246
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,544
$500 $1,366
$1,000 $1,194

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,366
50/100 $1,526
100/300 $1,639
250/500 $1,933
100 CSL $1,572
300 CSL $1,820
500 CSL $2,001

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,350
20 $5,000
30 $3,008
40 $2,952
50 $2,818
60 $2,792

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $88
Paid in Full/EFT $60
Advance Quote $66
Online Quote $97
Total Discounts $573
Rate after discounts $793

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

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