Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,454 a year for full coverage. Comprehensive insurance costs around $332 a year, collision insurance costs $566, and liability coverage costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs $3,136 or more. Teens 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:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code, rather than using averaged prices.

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

Additional Rate Information

The chart below shows average Toyota Sequoia insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $836
• Using higher $1,000 deductibles will save about $1,250 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,454
• Selecting low $100 deductibles for physical damage coverage will cost an additional $394 each year
• Higher-risk drivers with serious driving violations could pay at least $3,136
• Policy cost that insures a teenage driver can be $5,348 or more

View Chart as Image

Auto insurance rates for a Toyota Sequoia also range considerably based on the trim level of your Sequoia, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $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 $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

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 More Affordable Toyota Sequoia Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates at least every other year by requesting rates from direct carriers, and also from several local insurance agents.

The following items are a summary of the car insurance concepts covered in the above illustrations.

• Drivers who have multiple accidents or major violations pay on average $1,680 more every year than a driver with a clean driving record
• Drivers can save up to $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Consumers who may need additional liability coverage will pay approximately $440 each year to increase from a 30/60 limit to the 250/500 level