Toyota Sequoia Insurance Rates

U.S. average insurance rates for a Toyota Sequoia are $1,454 a year for full coverage. Comprehensive insurance costs an estimated $332, collision costs $566, and liability insurance costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing $3,136 or more. Teenage drivers pay the highest rates at $5,348 a year or more.

Average premium for full coverage: $1,454

Price estimates broken down by individual coverage:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Sequoia trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices for a targeted area, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $836
• Using higher $1,000 deductibles will save approximately $204 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,454
• Using more expensive low deductibles for physical damage coverage will cost an additional $394 a year
• Drivers who are prone to accidents and violations could pay up to $3,136 or more
• The price that insures a teen driver with full coverage can cost as much as $5,348 or more

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Auto insurance prices for a Toyota Sequoia are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age

The state you live in has a huge impact on Toyota Sequoia insurance rates. A driver around age 40 might see prices as low as $960 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,080 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $600 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different.

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 the Right Toyota Sequoia Insurance

Getting lower rates on Toyota Sequoia insurance requires having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices every other policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a quick rundown of the ideas that were touched on in this article.

• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $446 a month if the policy includes full coverage
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,680 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $600 each year
• Drivers can save approximately $180 per year simply by shopping early and online