Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,446 annually including full coverage. Comprehensive costs approximately $320 each year, collision costs $552, and liability coverage is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing around $3,126. Teen drivers cost the most to insure at $5,362 a year or more.

Average premium for full coverage: $1,446

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

The chart below breaks down estimated Toyota Sequoia insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $834
• Raising to $1,000 deductibles will save $196 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,446
• Choosing low deductibles will cost $1,832
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,126 or more
• Policy cost with full coverage for a teenage driver can cost $5,362

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $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 anywhere from $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $590 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Sequoia insurance rates. A middle-age driver might find rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or 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 who has the best auto insurance rates is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so the 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 More Affordable Toyota Sequoia Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a summary of the ideas that were presented in the illustrations above.

• Drivers under the age of 20 are expensive to insure, with premiums being up to $447 each month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations may have to pay on average $1,680 more per year to insure a Toyota Sequoia
• Increasing comprehensive and collision deductibles could save up to $575 each year
• You may be able to save around $170 per year simply by quoting online in advance