Toyota Sequoia Insurance Rates

The average insurance prices for a Toyota Sequoia are $1,446 every 12 months for full coverage. Comprehensive costs approximately $320, collision costs $552, and liability insurance costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing around $3,126. Teenage drivers cost the most to insure at $5,362 a year or more.

Average premium for full coverage: $1,446

Policy rates by type of insurance:

These estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities.

The example below illustrates how location helps determine auto insurance prices.

The examples above show why everyone should compare rates using their specific location and their own driving history, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below shows estimated Toyota Sequoia insurance rates for additional coverage and risk scenarios.

• The best discount rate is $834
• Drivers who choose higher $1,000 deductibles will pay $196 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,446
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,832
• High risk drivers who are prone to accidents and violations could pay around $3,126 or more
• Policy cost to insure a teen driver for full coverage can cost $5,362 a year

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

Using high physical damage deductibles could save up to $590 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Toyota Sequoia insurance for high-risk drivers can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Toyota Sequoia insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,070 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied.

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 Shop for Cheap Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a brief summary of the primary concepts that were covered in the charts and tables above.

• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,680 more per year for Sequoia insurance
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Teens are expensive to insure, costing up to $447 each month if they have full coverage