Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,446 annually including full coverage. Comprehensive insurance costs an estimated $320, collision costs $552, and liability insurance is estimated at $416. Liability-only insurance costs approximately $474 a year, with high-risk driver insurance costing $3,126 or more. Teenage drivers 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:

Price estimates include $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist 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 significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $834
• Choosing higher $1,000 deductibles can save approximately $196 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,446
• Using pricier low deductibles for comp and collision coverage costs an additional $386 a year
• High-risk insureds who are prone to accidents and violations could pay up to $3,126 or more
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,362 each year

View Chart as Image

Auto 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 a good driving record and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have 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 in extra premium every year, depending on your age. Toyota Sequoia insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $590 each 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 $375 extra every 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 $1,110 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,070 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted 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 Cheaper Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a condensed summary of the data touched on above.

• Drivers who want higher liability limits will pay an extra $460 per year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Teens are the costliest to insure, with premiums being up to $447 each month if full coverage is included