Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year including full coverage. Comprehensive insurance costs around $320 a year, collision costs $552, and liability coverage costs $416. Liability-only insurance costs as little as $474 a year, with high-risk driver insurance costing $3,126 or more. 16-year-old 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:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location 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 congested cities.

The diagram below illustrates how geographic area affects auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code and risk profile, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $834
• Drivers who choose higher $1,000 deductibles will pay about $1,250 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,446
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $386 each year
• High-risk insureds with multiple tickets or accidents could pay at least $3,126 or more
• Policy cost for full coverage for a teenage driver can be $5,362 a 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 per year 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 makes a big difference in Toyota Sequoia insurance rates. A 40-year-old driver could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $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 can cost around 43% to 131% more than the average rate. 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. Every company utilizes a different rate formula, 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 More Affordable Toyota Sequoia Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a summary of the information presented in the illustrations above.

• You may be able to save up to $170 per year simply by quoting early and online
• Drivers under the age of 20 are expensive to insure, with premiums being up to $447 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers who have multiple accidents or major violations pay on average $1,680 more every year to insure a Toyota Sequoia
• Consumers who may need increased liability limits will pay around $460 per year to go from a 30/60 limit to 250/500 limits