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: Jun 6, 2023

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The average insurance prices for a Toyota Sequoia are $1,330 every 12 months including full coverage. Comprehensive costs approximately $270, collision costs $446, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $2,876. Teen drivers cost the most to insure at $5,056 a year or more.

Average premium for full coverage: $1,330

Policy rates by type of insurance:

Comprehensive $270
Collision $446
Liability $456

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Sequoia trim levels.

Price Range Variability

For a 40-year-old driver, Toyota Sequoia insurance rates go from the cheapest price of $508 for just liability insurance to a much higher rate of $2,876 for a driver required to buy high-risk insurance.

Liability Only $508
Full Coverage $1,330
High Risk $2,876

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance prices.

Rural Areas $998
Small Cities $1,397
Large Cities $1,796

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than relying on price 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 breaks down estimated Toyota Sequoia insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $775
  • Using higher $1,000 deductibles will save $162 every year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,330
  • Choosing more expensive low deductibles for physical damage coverage increases the price to $1,646
  • Drivers with multiple violations and an at-fault accident could pay around $2,876 or more
  • Policy cost to insure a teen driver with full coverage can cost $5,056 or more

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing full coverage Toyota Sequoia insurance rates range from $775 to $5,056

Insurance rates for a Toyota Sequoia also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Sequoia.

Choosing high deductibles could cut rates by as much as $480 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 134% more than average. View High Risk Driver Rates

Your home state has a huge impact on Toyota Sequoia insurance rates. A driver around age 40 might see rates as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,900 on average in Louisiana, New York, and Michigan.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,204 -$126 -9.5%
Alaska $1,020 -$310 -23.3%
Arizona $1,104 -$226 -17.0%
Arkansas $1,330 -$0 0.0%
California $1,518 $188 14.1%
Colorado $1,272 -$58 -4.4%
Connecticut $1,368 $38 2.9%
Delaware $1,508 $178 13.4%
Florida $1,666 $336 25.3%
Georgia $1,228 -$102 -7.7%
Hawaii $956 -$374 -28.1%
Idaho $898 -$432 -32.5%
Illinois $992 -$338 -25.4%
Indiana $1,002 -$328 -24.7%
Iowa $898 -$432 -32.5%
Kansas $1,264 -$66 -5.0%
Kentucky $1,816 $486 36.5%
Louisiana $1,970 $640 48.1%
Maine $822 -$508 -38.2%
Maryland $1,096 -$234 -17.6%
Massachusetts $1,064 -$266 -20.0%
Michigan $2,312 $982 73.8%
Minnesota $1,114 -$216 -16.2%
Mississippi $1,594 $264 19.8%
Missouri $1,180 -$150 -11.3%
Montana $1,430 $100 7.5%
Nebraska $1,048 -$282 -21.2%
Nevada $1,596 $266 20.0%
New Hampshire $958 -$372 -28.0%
New Jersey $1,488 $158 11.9%
New Mexico $1,180 -$150 -11.3%
New York $1,402 $72 5.4%
North Carolina $768 -$562 -42.3%
North Dakota $1,088 -$242 -18.2%
Ohio $918 -$412 -31.0%
Oklahoma $1,366 $36 2.7%
Oregon $1,220 -$110 -8.3%
Pennsylvania $1,270 -$60 -4.5%
Rhode Island $1,776 $446 33.5%
South Carolina $1,204 -$126 -9.5%
South Dakota $1,122 -$208 -15.6%
Tennessee $1,164 -$166 -12.5%
Texas $1,604 $274 20.6%
Utah $986 -$344 -25.9%
Vermont $912 -$418 -31.4%
Virginia $798 -$532 -40.0%
Washington $1,028 -$302 -22.7%
West Virginia $1,220 -$110 -8.3%
Wisconsin $922 -$408 -30.7%
Wyoming $1,186 -$144 -10.8%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied.

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 $1,264 $105
Toyota Sequoia SR/5 4WD $1,298 $108
Toyota Sequoia Limited 2WD $1,330 $111
Toyota Sequoia Limited 4WD $1,364 $114
Toyota Sequoia Platinum 2WD $1,398 $117
Toyota Sequoia Platinum 4WD $1,398 $117

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 $270 $446 $456 $1,330
2012 Toyota Sequoia $210 $300 $474 $1,142
2010 Toyota Sequoia $192 $248 $474 $1,072
2008 Toyota Sequoia $174 $202 $468 $1,002
2007 Toyota Sequoia $172 $198 $460 $988
2006 Toyota Sequoia $168 $188 $452 $966
2005 Toyota Sequoia $154 $180 $446 $938
2004 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 Shop for Cheap Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief summary of the data illustrated above.

  • Drivers who purchase increased liability limits will pay about $500 per year to increase from a 30/60 limit to a 250/500 level
  • You may be able to save around $160 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • Drivers under the age of 20 are expensive to insure, with premiums being up to $421 each month if they have full coverage

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,056
20 $3,058
30 $1,378
40 $1,330
50 $1,216
60 $1,192

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,500
$500 $1,330
$1,000 $1,168

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,330
50/100 $1,489
100/300 $1,603
250/500 $1,900
100 CSL $1,535
300 CSL $1,786
500 CSL $1,968

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,196
20 $4,870
30 $2,926
40 $2,876
50 $2,746
60 $2,722

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 $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $70
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $86
Paid in Full/EFT $57
Advance Quote $64
Online Quote $94
Total Discounts $555
Rate after discounts $775

Discounts are estimated and may not be available from every company or in every state.

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