Toyota Sequoia Insurance Rates

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UPDATED: May 27, 2024

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U.S. average auto insurance rates for a Toyota Sequoia are $1,446 annually including full coverage. Comprehensive costs approximately $320 a year, collision insurance costs $552, and liability coverage is estimated at $416. Buying just liability costs approximately $474 a year, and insurance for high-risk drivers costs around $3,126. 16-year-old drivers pay the highest rates at up to $5,362 a year.

Average premium for full coverage: $1,446

Price estimates by individual coverage:

Comprehensive $320
Collision $552
Liability $416

Includes $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Sequoia trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota Sequoia insurance prices range from as cheap as $474 for just liability insurance to a high of $3,126 for a high-risk insurance policy.

Liability Only $474
Full Coverage $1,446
High Risk $3,126

Geographic Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,085
Small Cities $1,518
Large Cities $1,952

The ranges above highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below breaks down average Toyota Sequoia insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $834
  • Choosing higher $1,000 deductibles can save $1,250 every year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,446
  • Buying low $100 deductibles for comp and collision coverage will cost $1,832
  • Drivers with multiple tickets or accidents could pay around $3,126
  • The price with full coverage for a teenage driver can cost $5,362 each year

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing Toyota Sequoia insurance rates range from $834 to $5,362 for full coverage

Insurance prices for a Toyota Sequoia are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $590 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Toyota Sequoia insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,070 on average in Louisiana, New York, and Michigan.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,310 -$136 -9.4%
Alaska $1,112 -$334 -23.1%
Arizona $1,202 -$244 -16.9%
Arkansas $1,446 -$0 0.0%
California $1,650 $204 14.1%
Colorado $1,384 -$62 -4.3%
Connecticut $1,490 $44 3.0%
Delaware $1,638 $192 13.3%
Florida $1,810 $364 25.2%
Georgia $1,336 -$110 -7.6%
Hawaii $1,038 -$408 -28.2%
Idaho $980 -$466 -32.2%
Illinois $1,078 -$368 -25.4%
Indiana $1,090 -$356 -24.6%
Iowa $978 -$468 -32.4%
Kansas $1,376 -$70 -4.8%
Kentucky $1,976 $530 36.7%
Louisiana $2,142 $696 48.1%
Maine $892 -$554 -38.3%
Maryland $1,194 -$252 -17.4%
Massachusetts $1,158 -$288 -19.9%
Michigan $2,514 $1,068 73.9%
Minnesota $1,210 -$236 -16.3%
Mississippi $1,734 $288 19.9%
Missouri $1,284 -$162 -11.2%
Montana $1,556 $110 7.6%
Nebraska $1,142 -$304 -21.0%
Nevada $1,734 $288 19.9%
New Hampshire $1,042 -$404 -27.9%
New Jersey $1,618 $172 11.9%
New Mexico $1,282 -$164 -11.3%
New York $1,526 $80 5.5%
North Carolina $834 -$612 -42.3%
North Dakota $1,184 -$262 -18.1%
Ohio $1,002 -$444 -30.7%
Oklahoma $1,484 $38 2.6%
Oregon $1,326 -$120 -8.3%
Pennsylvania $1,380 -$66 -4.6%
Rhode Island $1,930 $484 33.5%
South Carolina $1,310 -$136 -9.4%
South Dakota $1,222 -$224 -15.5%
Tennessee $1,268 -$178 -12.3%
Texas $1,746 $300 20.7%
Utah $1,072 -$374 -25.9%
Vermont $992 -$454 -31.4%
Virginia $868 -$578 -40.0%
Washington $1,120 -$326 -22.5%
West Virginia $1,326 -$120 -8.3%
Wisconsin $1,002 -$444 -30.7%
Wyoming $1,290 -$156 -10.8%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Toyota Sequoia Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Sequoia SR/5 2WD $1,364 $114
Toyota Sequoia SR/5 4WD $1,406 $117
Toyota Sequoia Limited 2WD $1,446 $121
Toyota Sequoia Limited 4WD $1,488 $124
Toyota Sequoia Platinum 2WD $1,528 $127
Toyota Sequoia Platinum 4WD $1,528 $127

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.

Toyota Sequoia Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Sequoia $332 $566 $398 $1,454
2023 Toyota Sequoia $320 $552 $416 $1,446
2022 Toyota Sequoia $310 $530 $430 $1,428
2021 Toyota Sequoia $292 $512 $442 $1,404
2020 Toyota Sequoia $282 $474 $452 $1,366
2019 Toyota Sequoia $270 $446 $456 $1,330
2018 Toyota Sequoia $258 $400 $460 $1,276
2017 Toyota Sequoia $242 $368 $460 $1,228
2016 Toyota Sequoia $234 $346 $464 $1,202
2012 Toyota Sequoia $192 $248 $474 $1,072
2010 Toyota Sequoia $174 $202 $468 $1,002
2008 Toyota Sequoia $168 $188 $452 $966
2007 Toyota Sequoia $154 $180 $446 $938
2006 Toyota Sequoia $150 $170 $442 $920

Rates are averaged for all Toyota Sequoia models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Cheapest Toyota Sequoia Insurance

Getting lower rates on auto insurance takes having a good driving record, having good credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a recap of the car insurance concepts raised in the charts and tables above.

  • Drivers that have major violations or accidents may have to pay on average $1,680 more per year to buy Toyota Sequoia insurance
  • You may be able to save around $170 per year just by quoting early and online
  • Increasing physical damage deductibles could save up to $575 each year
  • Consumers who purchase increased levels of liability coverage will pay around $460 per year to raise limits from a low limit to higher 250/500 limits

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,362
20 $3,328
30 $1,510
40 $1,446
50 $1,320
60 $1,294

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,654
$500 $1,446
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,446
50/100 $1,611
100/300 $1,715
250/500 $1,986
100 CSL $1,653
300 CSL $1,882
500 CSL $2,048

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,652
20 $5,294
30 $3,196
40 $3,126
50 $2,982
60 $2,954

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $106
5-yr Claim Free $93
Paid in Full/EFT $66
Advance Quote $71
Online Quote $103
Total Discounts $612
Rate after discounts $834

Discounts are estimated and may not be available from every company or in every state.

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