Toyota Sequoia Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 27, 2024
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Average insurance prices for a Toyota Sequoia are $1,454 every 12 months for full coverage insurance. Comprehensive costs approximately $332 a year, collision costs $566, and liability insurance costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing around $3,136. 16-year-old drivers receive the highest rates at $5,348 a year or more.
Average premium for full coverage: $1,454
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Sequoia trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $460 for a discount liability-only rate to a high of $3,136 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than congested cities.
The diagram below illustrates how where you live affects auto insurance prices.
These examples illustrate why it is important to compare rates using their specific location and their own driving history, rather than relying on rate 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.
Rates by State, City, and Model
The chart below illustrates estimated Toyota Sequoia insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $836
- Drivers who choose higher $1,000 deductibles will pay $1,250 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,454
- Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,848
- High risk drivers with multiple tickets or accidents could pay around $3,136 or more
- The cost to insure a teen driver can cost $5,348 a year
Car insurance rates for a Toyota Sequoia can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Sequoia.
Opting for high physical damage deductibles could save up to $600 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $5,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
Where you live 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 North Carolina, Wisconsin, and Vermont, or at least $1,970 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$138 | -9.5% |
| Alaska | $1,116 | -$338 | -23.2% |
| Arizona | $1,208 | -$246 | -16.9% |
| Arkansas | $1,454 | -$0 | 0.0% |
| California | $1,658 | $204 | 14.0% |
| Colorado | $1,388 | -$66 | -4.5% |
| Connecticut | $1,496 | $42 | 2.9% |
| Delaware | $1,646 | $192 | 13.2% |
| Florida | $1,820 | $366 | 25.2% |
| Georgia | $1,344 | -$110 | -7.6% |
| Hawaii | $1,044 | -$410 | -28.2% |
| Idaho | $984 | -$470 | -32.3% |
| Illinois | $1,086 | -$368 | -25.3% |
| Indiana | $1,096 | -$358 | -24.6% |
| Iowa | $982 | -$472 | -32.5% |
| Kansas | $1,384 | -$70 | -4.8% |
| Kentucky | $1,984 | $530 | 36.5% |
| Louisiana | $2,154 | $700 | 48.1% |
| Maine | $898 | -$556 | -38.2% |
| Maryland | $1,200 | -$254 | -17.5% |
| Massachusetts | $1,164 | -$290 | -19.9% |
| Michigan | $2,528 | $1,074 | 73.9% |
| Minnesota | $1,218 | -$236 | -16.2% |
| Mississippi | $1,744 | $290 | 19.9% |
| Missouri | $1,290 | -$164 | -11.3% |
| Montana | $1,562 | $108 | 7.4% |
| Nebraska | $1,148 | -$306 | -21.0% |
| Nevada | $1,746 | $292 | 20.1% |
| New Hampshire | $1,050 | -$404 | -27.8% |
| New Jersey | $1,626 | $172 | 11.8% |
| New Mexico | $1,290 | -$164 | -11.3% |
| New York | $1,534 | $80 | 5.5% |
| North Carolina | $838 | -$616 | -42.4% |
| North Dakota | $1,192 | -$262 | -18.0% |
| Ohio | $1,004 | -$450 | -30.9% |
| Oklahoma | $1,496 | $42 | 2.9% |
| Oregon | $1,332 | -$122 | -8.4% |
| Pennsylvania | $1,388 | -$66 | -4.5% |
| Rhode Island | $1,942 | $488 | 33.6% |
| South Carolina | $1,318 | -$136 | -9.4% |
| South Dakota | $1,228 | -$226 | -15.5% |
| Tennessee | $1,274 | -$180 | -12.4% |
| Texas | $1,754 | $300 | 20.6% |
| Utah | $1,078 | -$376 | -25.9% |
| Vermont | $996 | -$458 | -31.5% |
| Virginia | $870 | -$584 | -40.2% |
| Washington | $1,126 | -$328 | -22.6% |
| West Virginia | $1,334 | -$120 | -8.3% |
| Wisconsin | $1,008 | -$446 | -30.7% |
| Wyoming | $1,296 | -$158 | -10.9% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Sequoia SR/5 2WD | $1,368 | $114 |
| Toyota Sequoia SR/5 4WD | $1,412 | $118 |
| Toyota Sequoia Limited 2WD | $1,454 | $121 |
| Toyota Sequoia Limited 4WD | $1,496 | $125 |
| Toyota Sequoia Platinum 2WD | $1,538 | $128 |
| Toyota Sequoia Platinum 4WD | $1,538 | $128 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Sequoia | $346 | $570 | $390 | $1,464 |
| 2023 Toyota Sequoia | $332 | $566 | $398 | $1,454 |
| 2022 Toyota Sequoia | $320 | $552 | $416 | $1,446 |
| 2021 Toyota Sequoia | $310 | $530 | $430 | $1,428 |
| 2020 Toyota Sequoia | $292 | $512 | $442 | $1,404 |
| 2019 Toyota Sequoia | $282 | $474 | $452 | $1,366 |
| 2018 Toyota Sequoia | $270 | $446 | $456 | $1,330 |
| 2017 Toyota Sequoia | $258 | $400 | $460 | $1,276 |
| 2016 Toyota Sequoia | $242 | $368 | $460 | $1,228 |
| 2012 Toyota Sequoia | $206 | $272 | $478 | $1,114 |
| 2010 Toyota Sequoia | $180 | $226 | $474 | $1,038 |
| 2008 Toyota Sequoia | $172 | $198 | $460 | $988 |
| 2007 Toyota Sequoia | $168 | $188 | $452 | $966 |
| 2006 Toyota Sequoia | $154 | $180 | $446 | $938 |
| 2005 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 More Affordable Toyota Sequoia Insurance
Saving money on Toyota Sequoia insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Take the time to comparison shop at every policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The list below is a summary of the data touched on in the above illustrations.
- Drivers who purchase higher liability limits will pay around $440 annually to go from a minimum limit to a 250/500 level
- It is possible to save around $180 per year simply by quoting early and online
- Increasing deductibles could save as much as $600 each year
- Teenagers pay the highest auto insurance rates, costing up to $446 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,348 |
| 20 | $3,342 |
| 30 | $1,522 |
| 40 | $1,454 |
| 50 | $1,328 |
| 60 | $1,302 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,848 |
| $250 | $1,666 |
| $500 | $1,454 |
| $1,000 | $1,250 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,454 |
| 50/100 | $1,618 |
| 100/300 | $1,717 |
| 250/500 | $1,976 |
| 100 CSL | $1,657 |
| 300 CSL | $1,876 |
| 500 CSL | $2,036 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,638 |
| 20 | $5,310 |
| 30 | $3,212 |
| 40 | $3,136 |
| 50 | $2,992 |
| 60 | $2,966 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $78 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $67 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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