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: 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:

Comprehensive $282
Collision $474
Liability $452

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.

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

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.

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

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

View Chart as Image

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

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.

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

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

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 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

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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