Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage insurance. Comprehensive costs approximately $320 each year, collision costs $552, and liability is estimated at $416. Liability-only coverage costs approximately $474 a year, with high-risk coverage costing around $3,126. Teen 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:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance prices.

The examples above illustrate why all drivers should get quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $834
• Choosing higher $1,000 deductibles can save $196 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,446
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,832
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,126 or more
• Policy cost for full coverage for a 16-year-old driver can cost $5,362 each year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Sequoia insurance prices. A good driver about age 40 could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $590 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied from one company to the next.

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 Find the Best Toyota Sequoia Insurance

Finding cheaper rates on insurance for a Toyota Sequoia takes being safe and accident-free, having a good credit history, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,680 more per year than a low-risk driver
• It is possible to save around $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Insureds who purchase more liability protection will pay about $460 annually to raise limits from a 30/60 limit to 250/500 limits