Toyota Sequoia Insurance Rates
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Michelle Robbins
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UPDATED: May 27, 2024
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The average auto insurance rates for a Toyota Sequoia are $1,454 annually including full coverage. Comprehensive costs around $332, collision insurance costs $566, and liability coverage is $398. Liability-only coverage costs around $460 a year, and high-risk coverage costs around $3,136. Teen drivers cost the most to insure at up to $5,348 a year.
Average premium for full coverage: $1,454
Policy rates for type of insurance:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Sequoia trim levels.
Price Range Variability
For the average driver, Toyota Sequoia insurance rates range from as cheap as $460 for your basic liability-only policy to a much higher rate of $3,136 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than using price 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 Information
The chart below breaks down average Toyota Sequoia insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $836
- Raising to $1,000 deductibles will save about $204 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,454
- Choosing more expensive low deductibles will cost $1,848
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,136
- Policy cost with full coverage for a teenage driver with full coverage can be $5,348
Insurance rates for a Toyota Sequoia also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $600 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit
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 Missouri, New Hampshire, and Vermont, or as much as $2,080 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$138 | -9.5% |
| Alaska | $1,116 | -$338 | -23.2% |
| Arizona | $1,208 | -$246 | -16.9% |
| Arkansas | $1,454 | -$0 | 0.0% |
| California | $1,658 | $204 | 14.0% |
| Colorado | $1,388 | -$66 | -4.5% |
| Connecticut | $1,496 | $42 | 2.9% |
| Delaware | $1,646 | $192 | 13.2% |
| Florida | $1,820 | $366 | 25.2% |
| Georgia | $1,344 | -$110 | -7.6% |
| Hawaii | $1,044 | -$410 | -28.2% |
| Idaho | $984 | -$470 | -32.3% |
| Illinois | $1,086 | -$368 | -25.3% |
| Indiana | $1,096 | -$358 | -24.6% |
| Iowa | $982 | -$472 | -32.5% |
| Kansas | $1,384 | -$70 | -4.8% |
| Kentucky | $1,984 | $530 | 36.5% |
| Louisiana | $2,154 | $700 | 48.1% |
| Maine | $898 | -$556 | -38.2% |
| Maryland | $1,200 | -$254 | -17.5% |
| Massachusetts | $1,164 | -$290 | -19.9% |
| Michigan | $2,528 | $1,074 | 73.9% |
| Minnesota | $1,218 | -$236 | -16.2% |
| Mississippi | $1,744 | $290 | 19.9% |
| Missouri | $1,290 | -$164 | -11.3% |
| Montana | $1,562 | $108 | 7.4% |
| Nebraska | $1,148 | -$306 | -21.0% |
| Nevada | $1,746 | $292 | 20.1% |
| New Hampshire | $1,050 | -$404 | -27.8% |
| New Jersey | $1,626 | $172 | 11.8% |
| New Mexico | $1,290 | -$164 | -11.3% |
| New York | $1,534 | $80 | 5.5% |
| North Carolina | $838 | -$616 | -42.4% |
| North Dakota | $1,192 | -$262 | -18.0% |
| Ohio | $1,004 | -$450 | -30.9% |
| Oklahoma | $1,496 | $42 | 2.9% |
| Oregon | $1,332 | -$122 | -8.4% |
| Pennsylvania | $1,388 | -$66 | -4.5% |
| Rhode Island | $1,942 | $488 | 33.6% |
| South Carolina | $1,318 | -$136 | -9.4% |
| South Dakota | $1,228 | -$226 | -15.5% |
| Tennessee | $1,274 | -$180 | -12.4% |
| Texas | $1,754 | $300 | 20.6% |
| Utah | $1,078 | -$376 | -25.9% |
| Vermont | $996 | -$458 | -31.5% |
| Virginia | $870 | -$584 | -40.2% |
| Washington | $1,126 | -$328 | -22.6% |
| West Virginia | $1,334 | -$120 | -8.3% |
| Wisconsin | $1,008 | -$446 | -30.7% |
| Wyoming | $1,296 | -$158 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Sequoia SR/5 2WD | $1,368 | $114 |
| Toyota Sequoia SR/5 4WD | $1,412 | $118 |
| Toyota Sequoia Limited 2WD | $1,454 | $121 |
| Toyota Sequoia Limited 4WD | $1,496 | $125 |
| Toyota Sequoia Platinum 2WD | $1,538 | $128 |
| Toyota Sequoia Platinum 4WD | $1,538 | $128 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Sequoia | $346 | $570 | $390 | $1,464 |
| 2023 Toyota Sequoia | $332 | $566 | $398 | $1,454 |
| 2022 Toyota Sequoia | $320 | $552 | $416 | $1,446 |
| 2021 Toyota Sequoia | $310 | $530 | $430 | $1,428 |
| 2020 Toyota Sequoia | $292 | $512 | $442 | $1,404 |
| 2019 Toyota Sequoia | $282 | $474 | $452 | $1,366 |
| 2018 Toyota Sequoia | $270 | $446 | $456 | $1,330 |
| 2017 Toyota Sequoia | $258 | $400 | $460 | $1,276 |
| 2016 Toyota Sequoia | $242 | $368 | $460 | $1,228 |
| 2012 Toyota Sequoia | $206 | $272 | $478 | $1,114 |
| 2010 Toyota Sequoia | $180 | $226 | $474 | $1,038 |
| 2008 Toyota Sequoia | $172 | $198 | $460 | $988 |
| 2007 Toyota Sequoia | $168 | $188 | $452 | $966 |
| 2006 Toyota Sequoia | $154 | $180 | $446 | $938 |
| 2005 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 Best Cheap Toyota Sequoia Insurance
Finding cheaper rates on auto insurance consists of having a decent driving record, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a quick review of the data that was touched on above.
- You may be able to save up to $180 per year just by shopping early and online
- Consumers who may need additional liability coverage will pay about $440 per year to raise from a 30/60 limit to higher 250/500 limits
- 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $446 each month if they have full coverage
- Drivers with a DUI or reckless driving violation may pay on average $1,680 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,348 |
| 20 | $3,342 |
| 30 | $1,522 |
| 40 | $1,454 |
| 50 | $1,328 |
| 60 | $1,302 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,848 |
| $250 | $1,666 |
| $500 | $1,454 |
| $1,000 | $1,250 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,454 |
| 50/100 | $1,618 |
| 100/300 | $1,717 |
| 250/500 | $1,976 |
| 100 CSL | $1,657 |
| 300 CSL | $1,876 |
| 500 CSL | $2,036 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,638 |
| 20 | $5,310 |
| 30 | $3,212 |
| 40 | $3,136 |
| 50 | $2,992 |
| 60 | $2,966 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $78 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $67 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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