Toyota Sequoia Insurance Rates

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

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and risk profile, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $834
• Choosing higher $1,000 deductibles can save about $1,250 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,446
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,832
• Drivers with multiple violations and an at-fault accident could pay at least $3,126 or more
• Policy cost for full coverage for a teenage driver can be $5,362 each year

View Chart as Image

Auto insurance rates for a Toyota Sequoia also range considerably based on your risk profile, the model of your Sequoia, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Sequoia insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $590 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every 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 likely paying at least $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and quoted 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 Cheap Toyota Sequoia Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at least once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a quick review of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $170 per year simply by quoting early and online
• Drivers with a DUI or reckless driving violation pay on average $1,680 more every year for auto insurance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Teenage drivers are expensive to insure, with premiums being up to $447 each month if they have full coverage