Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,454 a year including full coverage. Comprehensive insurance costs approximately $332 each year, collision insurance costs $566, and liability insurance is $398. Liability-only insurance costs around $460 a year, and high-risk driver insurance costs $3,136 or more. Teens cost the most to insure at up to $5,348 a year.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $836
• Raising to $1,000 deductibles will save $204 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,454
• Selecting low deductibles will cost an additional $394 a year
• Higher-risk drivers with serious driving violations could pay around $3,136
• Policy cost that insures a teen driver can cost $5,348

View Chart as Image

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

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

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $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 $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

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 the Best Cheap Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance consists of being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Compare rates at least every other year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a quick review of the car insurance concepts covered above.

• High-risk drivers with a DUI or reckless driving violation will likely pay on average $1,680 more per year than a safer driver
• You may be able to save around $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers who purchase an increased level of liability coverage will pay approximately $440 per year to raise from a 30/60 limit to the 250/500 level