Toyota Sequoia Insurance Rates

The average insurance prices for a Toyota Sequoia are $1,454 every 12 months including full coverage. Comprehensive costs approximately $332, 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. Teenage drivers cost the most to insure at $5,348 a year or more.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

The examples above highlight why anyone shopping for car insurance 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.

More Rate Information

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

• The best discount rate is $836
• Drivers who choose higher $1,000 deductibles will pay $204 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,454
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,848
• High risk drivers who are prone to accidents and violations could pay around $3,136 or more
• Policy cost to insure a teen driver with full coverage can cost $5,348 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $600 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 $358 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared 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 are likely paying anywhere from $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance 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 $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

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. Every company uses a different method to calculate rates, and 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 having a decent driving record, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a brief summary of the material that was touched on above.

• Drivers who purchase additional liability coverage will pay an extra $440 per year to go from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $446 each month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,680 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $600 each year