Toyota Sequoia Insurance Rates

U.S. average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage insurance. Comprehensive insurance costs on average $320, collision insurance costs $552, and liability insurance is estimated at $416. Buying just liability costs approximately $474 a year, and insurance for high-risk drivers costs $3,126 or more. Teenage drivers pay the highest rates at up to $5,362 a year.

Average premium for full coverage: $1,446

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all Sequoia models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

The ranges above illustrate why everyone should get quotes based on a specific location, rather than relying on average rates.

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

Additional Rate Analysis

The chart below illustrates average Toyota Sequoia insurance rates for different risk profiles and scenarios.

• The best discount rate is $834
• Choosing higher $1,000 deductibles can save around $196 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,446
• Using pricier low deductibles for comp and collision coverage will cost an additional $386 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,126
• The price that insures a teen driver for full coverage may cost $5,362 each year

View Chart as Image

Insurance prices for a Toyota Sequoia are also quite variable based on the model of your Sequoia, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 additional each year, depending on your age. Toyota Sequoia insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Sequoia insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $590 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

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 Find Cheaper Toyota Sequoia Insurance

Getting lower rates on Toyota Sequoia insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices every couple of years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the material that was illustrated above.

• Drivers who require higher liability limits will pay an extra $460 annually to raise limits from a low limit to the 250/500 level
• Teenagers pay higher prices, as much as $447 a month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,680 more each year for car insurance
• Increasing physical damage deductibles can save approximately $575 each year