Toyota Sequoia Insurance Rates

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

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below illustrates average Toyota Sequoia insurance rates for other coverage scenarios.

• The best discount rate is $834
• Using higher $1,000 deductibles will save approximately $1,250 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,446
• Using low $100 deductibles for physical damage coverage increases the price to $1,832
• High-risk insureds who are prone to accidents and violations could pay up to $3,126
• Policy cost to insure a 16-year-old driver can cost as much as $5,362 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $590 annually, while buying higher liability limits will increase premiums. Switching 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

Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $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 are probably paying $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

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 Affordable Toyota Sequoia Insurance

Finding cheaper rates on insurance for a Toyota Sequoia requires being a safe and courteous driver, having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates every year by quoting rates from direct insurance companies, and also from insurance agencies where you live.

Below is a brief review of the coverage data presented in the illustrations above.

• It is possible to save approximately $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Teenage drivers are charged the highest rates, possibly costing $447 each month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,680 more annually for auto insurance