Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,446 annually for full coverage insurance. Comprehensive costs approximately $320, collision costs $552, and liability costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing around $3,126. Teens 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:

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location 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.

Rate Comparisons

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

• The cheapest rate after discounts is $834
• Using higher $1,000 deductibles will save $196 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,446
• Selecting more expensive low deductibles for physical damage coverage will cost $1,832
• High-risk insureds with serious driving violations could pay around $3,126 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $5,362 or more

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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 physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $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 anywhere from $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,950 on average in Florida, New York, and Michigan.

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Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Each insurance company calculates rates differently, so the 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 Cheaper Toyota Sequoia Insurance

Finding cheaper rates on insurance for a Toyota Sequoia requires being a safe and courteous driver, having a good credit history, being claim-free, and maximizing policy discounts. Invest the time to shop around at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a condensed summary of the primary concepts that were illustrated above.

• It is possible to save around $170 per year simply by shopping early and online
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,680 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Teenage drivers are expensive to insure, possibly costing $447 each month including comprehensive and collision insurance