Toyota Sequoia Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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U.S. average insurance rates for a Toyota Sequoia are $1,330 a year with full coverage. Comprehensive insurance costs on average $270, collision insurance costs $446, and liability insurance costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs $2,876 or more. 16-year-old drivers pay the highest rates at up to $5,056 a year.

Average premium for full coverage: $1,330

Price estimates by individual coverage:

Comprehensive $270
Collision $446
Liability $456

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Sequoia models.

Price Range from Low to High

For the average driver, Toyota Sequoia insurance prices range from as low as $508 for just the minimum liability insurance to the much higher price of $2,876 for coverage for higher-risk drivers.

Liability Only $508
Full Coverage $1,330
High Risk $2,876

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities. The example below illustrates how location impacts car insurance rates.

Rural Areas $998
Small Cities $1,397
Large Cities $1,796

The ranges above demonstrate why everyone should compare rates based on a specific location and risk profile, rather than relying on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below details average Toyota Sequoia insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $775
  • Drivers who choose higher $1,000 deductibles will pay around $162 annually
  • The average rate for the average middle-age driver with $500 deductibles is $1,330
  • Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $316 a year
  • High risk drivers with multiple tickets or accidents could pay upwards of $2,876
  • The price for full coverage for a teen driver for full coverage may cost $5,056 a year

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing Toyota Sequoia insurance prices range from $775 to $5,056 for full coverage

Car insurance prices for a Toyota Sequoia are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $5,000 a year. View Rates by Age

The state you live in makes a big difference in Toyota Sequoia insurance rates. A 40-year-old driver could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $1,800 on average in Florida, Michigan, and New York.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,204 -$126 -9.5%
Alaska $1,020 -$310 -23.3%
Arizona $1,104 -$226 -17.0%
Arkansas $1,330 -$0 0.0%
California $1,518 $188 14.1%
Colorado $1,272 -$58 -4.4%
Connecticut $1,368 $38 2.9%
Delaware $1,508 $178 13.4%
Florida $1,666 $336 25.3%
Georgia $1,228 -$102 -7.7%
Hawaii $956 -$374 -28.1%
Idaho $898 -$432 -32.5%
Illinois $992 -$338 -25.4%
Indiana $1,002 -$328 -24.7%
Iowa $898 -$432 -32.5%
Kansas $1,264 -$66 -5.0%
Kentucky $1,816 $486 36.5%
Louisiana $1,970 $640 48.1%
Maine $822 -$508 -38.2%
Maryland $1,096 -$234 -17.6%
Massachusetts $1,064 -$266 -20.0%
Michigan $2,312 $982 73.8%
Minnesota $1,114 -$216 -16.2%
Mississippi $1,594 $264 19.8%
Missouri $1,180 -$150 -11.3%
Montana $1,430 $100 7.5%
Nebraska $1,048 -$282 -21.2%
Nevada $1,596 $266 20.0%
New Hampshire $958 -$372 -28.0%
New Jersey $1,488 $158 11.9%
New Mexico $1,180 -$150 -11.3%
New York $1,402 $72 5.4%
North Carolina $768 -$562 -42.3%
North Dakota $1,088 -$242 -18.2%
Ohio $918 -$412 -31.0%
Oklahoma $1,366 $36 2.7%
Oregon $1,220 -$110 -8.3%
Pennsylvania $1,270 -$60 -4.5%
Rhode Island $1,776 $446 33.5%
South Carolina $1,204 -$126 -9.5%
South Dakota $1,122 -$208 -15.6%
Tennessee $1,164 -$166 -12.5%
Texas $1,604 $274 20.6%
Utah $986 -$344 -25.9%
Vermont $912 -$418 -31.4%
Virginia $798 -$532 -40.0%
Washington $1,028 -$302 -22.7%
West Virginia $1,220 -$110 -8.3%
Wisconsin $922 -$408 -30.7%
Wyoming $1,186 -$144 -10.8%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $480 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra each year, depending on your age. Toyota Sequoia insurance for high-risk drivers can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Toyota Sequoia Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Sequoia SR/5 2WD $1,264 $105
Toyota Sequoia SR/5 4WD $1,298 $108
Toyota Sequoia Limited 2WD $1,330 $111
Toyota Sequoia Limited 4WD $1,364 $114
Toyota Sequoia Platinum 2WD $1,398 $117
Toyota Sequoia Platinum 4WD $1,398 $117

Rates assume 2017 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.

Toyota Sequoia Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Toyota Sequoia $270 $446 $456 $1,330
2012 Toyota Sequoia $210 $300 $474 $1,142
2010 Toyota Sequoia $192 $248 $474 $1,072
2008 Toyota Sequoia $174 $202 $468 $1,002
2007 Toyota Sequoia $172 $198 $460 $988
2006 Toyota Sequoia $168 $188 $452 $966
2005 Toyota Sequoia $154 $180 $446 $938
2004 Toyota Sequoia $150 $170 $442 $920

Rates are averaged for all Toyota Sequoia models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Toyota Sequoia Insurance

Getting lower rates on Toyota Sequoia insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at least once a year by requesting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The following items are a condensed summary of the primary concepts that were touched on above.

  • You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
  • High-risk drivers with multiple at-fault accidents may be required to pay an average of $1,550 more each year than a driver with a clean driving record
  • Increasing physical damage deductibles can save around $475 each year
  • 16 to 18-year-old drivers are expensive to insure, costing up to $421 a month if full coverage is included

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,056
20 $3,058
30 $1,378
40 $1,330
50 $1,216
60 $1,192

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,500
$500 $1,330
$1,000 $1,168

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,330
50/100 $1,489
100/300 $1,603
250/500 $1,900
100 CSL $1,535
300 CSL $1,786
500 CSL $1,968

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,196
20 $4,870
30 $2,926
40 $2,876
50 $2,746
60 $2,722

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $70
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $86
Paid in Full/EFT $57
Advance Quote $64
Online Quote $94
Total Discounts $555
Rate after discounts $775

Discounts are estimated and may not be available from every company or in every state.

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