Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,454 annually including full coverage. Comprehensive costs an estimated $332, collision insurance costs $566, and liability coverage costs $398. Liability-only insurance costs as little as $460 a year, and high-risk driver insurance costs around $3,136. Teens cost the most to insure at up to $5,348 a year.

Average premium for full coverage: $1,454

Policy rates broken down by type of insurance:

Full coverage includes $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $836
• Drivers who choose higher $1,000 deductibles will pay approximately $204 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,454
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,848
• High-risk insureds with serious driving violations could pay up to $3,136
• Policy cost with full coverage for a teenage driver with full coverage can cost as much as $5,348 a 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.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,400 per year on average, or $117 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. High-risk driver insurance can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $600 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Toyota Sequoia insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 More Affordable Toyota Sequoia Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to compare rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a summary of the material that was covered above.

• Consumers who want higher liability limits will pay approximately $440 per year to go from a 30/60 limit to higher 250/500 limits
• Teens are the costliest to insure, with premiums being up to $446 each month if full coverage is included
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,680 more annually for Sequoia insurance
• Increasing comprehensive and collision deductibles could save up to $600 each year