Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage insurance. Comprehensive costs an estimated $320 a year, collision costs $552, and liability insurance is $416. Liability-only insurance costs around $474 a year, with high-risk driver insurance costing around $3,126. Teenage drivers cost the most to insure at $5,362 a year or more.

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why it is important to compare rates quotes for a targeted area, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Toyota Sequoia insurance rates for other coverage scenarios.

• The best discount rate is $834
• Raising to $1,000 deductibles will save approximately $1,250 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,446
• Using low $100 deductibles bumps up the cost to $1,832
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,126 or more
• Policy cost that insures a teen driver can cost as much as $5,362

View Chart as Image

Auto insurance rates for a Toyota Sequoia also range considerably based on the trim level of your Sequoia, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age

Your home state also has a big influence on Toyota Sequoia insurance rates. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $590 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Low Cost Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices at least once a year by getting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a review of the primary concepts that were covered above.

• It is possible to save approximately $170 per year simply by quoting early and online
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,680 more annually to insure a Toyota Sequoia
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Drivers under the age of 20 are the costliest to insure, possibly costing $447 each month if the policy includes full coverage