Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,454 annually including full coverage. Comprehensive insurance costs an estimated $332 a year, collision costs $566, and liability is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing $3,136 or more. Teen drivers cost the most to insure at $5,348 a year or more.

Average premium for full coverage: $1,454

Policy rates broken down by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Toyota Sequoia insurance rates for other coverage scenarios.

• The lowest rate with discounts is $836
• Raising to $1,000 deductibles will save approximately $1,250 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,454
• Choosing low $100 deductibles costs an additional $394 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,136 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,348

View Chart as Image

Auto insurance rates for a Toyota Sequoia also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, 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 a few points on your driving record or you caused a few accidents, you are likely paying $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $600 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Sequoia insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Low Cost Toyota Sequoia Insurance

Finding cheaper rates on insurance for a Toyota Sequoia consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a review of the coverage data covered above.

• You may be able to save approximately $180 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Teen drivers are the costliest to insure, with premiums being up to $446 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,680 more annually to insure their Sequoia