Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage insurance. Comprehensive costs around $320, collision costs $552, and liability costs $416. Liability-only insurance costs as little as $474 a year, with high-risk driver insurance costing around $3,126. 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 for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities.

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

The examples above illustrate why everyone should compare rates for a specific zip code and risk profile, instead of using rate averages.

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 additional coverage choices and driver risks.

• The best full coverage rate is $834
• Drivers who choose higher $1,000 deductibles will pay about $196 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,446
• Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,832
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,126 or more
• Policy cost for full coverage for a teen driver for full coverage can be $5,362 a year

View Chart as Image

Auto insurance rates for a Toyota Sequoia also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Toyota Sequoia insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $590 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,700 to $2,300 in extra premium every year, depending on your age. Toyota Sequoia insurance for high-risk drivers can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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 Affordable Toyota Sequoia Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having good credit, being claim-free, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief review of the concepts that were touched on in this article.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,680 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, possibly costing $447 each month if they have full coverage
• It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $575 each year
• It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date