Toyota Sequoia Insurance Rates

Average auto insurance rates for a Toyota Sequoia are $1,446 annually including full coverage. Comprehensive insurance costs on average $320 a year, collision insurance costs $552, and liability coverage costs $416. A policy with just liability insurance costs as little as $474 a year, and coverage for high-risk drivers costs $3,126 or more. Teenage drivers receive the highest rates at up to $5,362 a year.

Average premium for full coverage: $1,446

Rate estimates by individual coverage type:

Rate estimates include $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Sequoia trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

These examples highlight why it is important to compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down average Toyota Sequoia insurance rates for different risk profiles and scenarios.

• The best discount rate is $834
• Drivers who choose higher $1,000 deductibles will pay around $1,250 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,446
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $386 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,126
• The cost with full coverage for a teenage driver may cost $5,362 a year

View Chart as Image

Insurance rates for a Toyota Sequoia can also vary considerably based on the trim level of your Sequoia, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $590 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

Where you live 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 be forced to pay as much as $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 the Best Toyota Sequoia Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every couple of years by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief recap of the material that was covered in the charts and tables above.

• Consumers who require higher liability limits will pay an extra $460 per year to go from a minimum limit to higher 250/500 limits
• Teens pay higher rates, as much as $447 per month if they have full coverage
• Drivers who tend to receive serious violations pay on average $1,680 more each year for Sequoia insurance
• Increasing deductibles could save up to $575 each year