Toyota Sequoia Insurance Rates

The average insurance prices for a Toyota Sequoia are $1,446 every 12 months for full coverage. Comprehensive insurance costs on average $320 a year, collision costs $552, and liability coverage costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing $3,126 or more. Teen 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:

Estimates include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas.

The diagram below illustrates how your location can change car insurance rates.

The examples above show why it is important to compare prices based on a specific location and their own driving history, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $834
• Using higher $1,000 deductibles will save around $1,250 a year
• The average price for a good driver age 40 with $500 deductibles is $1,446
• Choosing low $100 deductibles for physical damage coverage costs an extra $386 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,126 or more
• Policy cost to insure a teenage driver may cost $5,362 or more

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Sequoia.

Choosing high deductibles could cut rates by as much as $590 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than average. View High Risk Driver Rates

Your home state has a huge impact on Toyota Sequoia insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,070 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the 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 Shop for Low Cost Toyota Sequoia Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to shop around every couple of years by getting price quotes from direct carriers, and also from local independent and exclusive agents.

The following is a review of the material that was illustrated above.

• Consumers who require higher liability limits will pay about $460 each year to increase from a 30/60 limit to a 250/500 level
• Teens pay the highest rates, costing up to $447 each month if they have full coverage
• Drivers who have several accidents or serious violations pay an average of $1,680 more each year for Sequoia insurance
• Increasing comprehensive and collision deductibles could save as much as $575 each year