Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,446 annually with full coverage. Comprehensive insurance costs on average $320, collision costs $552, and liability coverage costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance 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 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas.

The price range example below illustrates how location helps determine car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

The chart below details 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 $196 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,446
• Choosing more expensive low deductibles for physical damage coverage costs an additional $386 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,126 or more
• Policy cost with full coverage for a teenage driver with full coverage may cost $5,362 or more

View Chart as Image

Car insurance rates for a Toyota Sequoia also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $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 may be forking out at a minimum $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be around 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $590 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Sequoia insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,950 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.

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 Buy Low Cost Toyota Sequoia Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and maximizing policy discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a review of the concepts that were covered in the charts and tables above.

• Drivers who have several accidents or serious violations pay an average of $1,680 more each year for auto insurance
• Teenage drivers are expensive to insure, as much as $447 each month if comprehensive and collision insurance is included
• You may be able to save as much as $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $575 each year
• You may be able to save as much as $170 per year simply by shopping early and online