Toyota Sequoia Insurance Rates

Estimated insurance prices for a Toyota Sequoia are $1,454 every 12 months for full coverage insurance. Comprehensive costs on average $332, collision costs $566, and liability coverage is $398. A policy with only liability insurance costs around $460 a year, with a high-risk policy costing around $3,136. Teens pay the most at $5,348 a year or more.

Average premium for full coverage: $1,454

Premium estimates by type of coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different Sequoia trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

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

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than using averaged prices.

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 different risk profiles and scenarios.

• The cheapest rate after discounts is $836
• Raising to $1,000 deductibles will save around $204 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,454
• Selecting more expensive low deductibles increases the price to $1,848
• Unlucky drivers with serious driving violations could pay upwards of $3,136 or more
• An auto insurance policy to insure a teenage driver with full coverage may cost $5,348

View Chart as Image

Car insurance prices for a Toyota Sequoia also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Sequoia.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $600 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Toyota Sequoia insurance rates. A middle-age driver might find prices as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company calculates prices differently, so rate quotes will be substantially different.

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 Shop for the Best Cheap Toyota Sequoia Insurance

Finding better rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

The items below are a quick review of the data touched on in this article.

• Consumers who require more liability coverage will pay approximately $440 annually to raise from 30/60 bodily injury limits to a 250/500 level
• It is possible to save as much as $180 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $600 each year
• Teen drivers are expensive to insure, with premiums being up to $446 per month if the policy includes full coverage