Toyota Sequoia Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,698 |
| $250 | $1,544 |
| $500 | $1,366 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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