Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,446 annually for full coverage insurance. Comprehensive insurance costs around $320, collision costs $552, and liability is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing $3,126 or more. Teens cost the most to insure at $5,362 a year or more.

Average premium for full coverage: $1,446

Policy rates for type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion.

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

The examples above illustrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Toyota Sequoia insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $834
• Raising to $1,000 deductibles will save about $196 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,446
• Selecting pricier low deductibles costs an additional $386 annually
• Drivers with serious driving violations could pay at least $3,126 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can be $5,362

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,700 to $2,300 additional every year, depending on your age. Toyota Sequoia insurance for high-risk drivers is expensive and can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $590 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Sequoia insurance prices. A middle-age driver might find rates as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,950 on average in Michigan, New York, and Florida.

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Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied between companies.

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 Buy Low Cost Toyota Sequoia Insurance

Finding cheaper rates on insurance for a Toyota Sequoia consists of being a low-risk driver, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a review of the data covered in the charts and tables above.

• Insureds who may need more liability coverage will pay approximately $460 annually to raise from a 30/60 limit to higher 250/500 limits
• It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Teen drivers are charged the highest rates, possibly costing $447 each month if they have full coverage