Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year with full coverage. Comprehensive insurance costs an estimated $320, collision costs $552, and liability insurance costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage costing $3,126 or more. Teens cost the most to insure at $5,362 a year or more.

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes medical and 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 significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $834
• Using higher $1,000 deductibles will save approximately $196 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,446
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $386 a year
• Drivers with serious driving violations could pay up to $3,126 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,362 or more

View Chart as Image

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

An older driver with no violations or accidents and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $5,300 a year. View Rates by Age

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 Utah, Ohio, and New Hampshire, or have to pay at least $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company calculates rates differently, and 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 the Best Cheap Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance requires being a safe and courteous driver, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a quick review of the material that was covered in the above illustrations.

• Drivers who want higher levels of liability will pay approximately $460 every year to increase from a 30/60 limit to 250/500 limits
• Teenage drivers are expensive to insure, as much as $447 each month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,680 more annually for auto insurance
• Increasing comprehensive and collision deductibles can save around $575 each year