Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year with full coverage. Comprehensive insurance costs approximately $320 each year, collision insurance costs $552, and liability is $416. Liability-only coverage costs around $474 a year, and high-risk coverage costs $3,126 or more. 16-year-old drivers cost the most to insure at up to $5,362 a year.

Average premium for full coverage: $1,446

Policy rates by type of insurance:

Full coverage includes $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why all drivers should compare rates quotes using their specific location and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

The chart below details average Toyota Sequoia insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $834
• Raising to $1,000 deductibles will save $196 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,446
• Buying low deductibles will cost an extra $386 every year
• At-risk drivers with multiple tickets or accidents could pay around $3,126
• Policy cost for full coverage for a teen driver can cost $5,362

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state also has a big influence on Toyota Sequoia insurance prices. A middle-age driver might find rates as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or at least $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $590 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates

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 More Affordable Toyota Sequoia Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a summary of the information presented in the illustrations above.

• You may be able to save around $170 per year just by quoting online in advance
• Teens are the costliest to insure, as much as $447 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Higher risk drivers who have multiple accidents or major violations pay on average $1,680 more per year for Sequoia insurance
• Policyholders who purchase higher liability limits will pay around $460 every year to raise from a 30/60 limit to 250/500 limits