Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,446 annually including full coverage. Comprehensive insurance costs around $320, collision insurance costs $552, and liability costs around $416. A liability-only policy costs as low as $474 a year, and high-risk insurance costs $3,126 or more. Teenage drivers cost the most to insure at up to $5,362 a year.

Average premium for full coverage: $1,446

Policy rates for type of insurance:

Prices include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how your location can change auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $834
• Using higher $1,000 deductibles will save about $196 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,446
• Using more expensive low deductibles for physical damage coverage costs an additional $386 annually
• High-risk insureds who are prone to accidents and violations could pay at least $3,126
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $5,362 or more

View Chart as Image

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

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $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 at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $590 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,070 on average in Michigan, New York, and Louisiana.

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 the Right Toyota Sequoia Insurance

Finding cheaper rates on insurance for a Toyota Sequoia requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a quick rundown of the coverage data illustrated above.

• You may be able to save up to $170 per year just by shopping early and online
• 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 comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,680 more every year for Sequoia insurance