Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,446 annually including full coverage. Comprehensive insurance costs on average $320, collision costs $552, and liability costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage 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 by type of insurance:

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities.

The example below illustrates the difference location can make on car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location and their own personal driving habits, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $834
• Using higher $1,000 deductibles will save around $196 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,446
• Buying pricier low deductibles for physical damage coverage costs an additional $386 every year
• Drivers with multiple tickets or accidents could pay upwards of $3,126 or more
• Policy cost with full coverage for a teen driver for full coverage may 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 driving characteristics, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, 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 have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,300 additional every year, depending on your age. Toyota Sequoia insurance for high-risk drivers can be as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $590 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 more each 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 $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

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and 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 the Right Toyota Sequoia Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick rundown of the ideas that were touched on in this article.

• Teen drivers pay higher rates, with premiums being up to $447 each month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,680 more each year to insure their Sequoia
• Increasing comprehensive and collision deductibles could save up to $575 each year
• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date