Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,454 annually including full coverage. Comprehensive insurance costs an estimated $332, collision costs $566, and liability coverage is estimated at $398. Liability-only coverage costs approximately $460 a year, with high-risk coverage costing $3,136 or more. 16-year-old drivers cost the most to insure at $5,348 a year or more.

Average premium for full coverage: $1,454

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The example below illustrates how location helps determine insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and their own personal driving habits, rather than using rate averages.

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

Additional Rate Information

The chart below breaks down estimated Toyota Sequoia insurance rates for other coverage scenarios.

• The best full coverage rate is $836
• Choosing higher $1,000 deductibles can save approximately $204 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,454
• Buying pricier low deductibles for comp and collision coverage costs an additional $394 each year
• Drivers with multiple tickets or accidents could pay up to $3,136 or more
• Policy cost with full coverage for a teenage driver for full coverage can cost as much as $5,348 each year

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Insurance rates for a Toyota Sequoia also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 annually 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 at least $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 $1,700 to $2,300 additional every year, depending on your age. Toyota Sequoia insurance for high-risk drivers ranges around 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $600 a year, whereas buying more liability protection will increase premiums. 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 plays a big part in determining prices for Toyota Sequoia insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,080 on average in Louisiana, New York, and Michigan.

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Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and rates 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 the Right Toyota Sequoia Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a quick rundown of the data covered in the charts and tables above.

• Consumers who want additional liability coverage will pay around $440 per year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $600 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $446 each month if they have full coverage