Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage. Comprehensive costs approximately $320, collision costs $552, and liability insurance costs $416. Buying just liability costs as little as $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:

Includes $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why everyone should compare rates using their specific location, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $834
• Drivers who choose higher $1,000 deductibles will pay $196 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,446
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,832
• High risk drivers with multiple violations and an at-fault accident could pay around $3,126 or more
• Policy cost that insures a teen driver for full coverage can cost $5,362 a year

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on the model of your Sequoia, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Toyota Sequoia insurance for high-risk drivers can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state makes a big difference in Toyota Sequoia insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,070 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $590 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Every company uses a different rate calculation, so the rates will be varied.

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 the Cheapest Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Shop around every couple of years by requesting quotes from direct carriers, and also from insurance agencies where you live.

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

• Drivers who purchase higher liability limits will pay about $460 each year to go from a 30/60 limit to the 250/500 level
• Teens are expensive to insure, costing up to $447 each month if full coverage is included
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,680 more per year for Sequoia insurance
• Increasing comprehensive and collision deductibles can save approximately $575 each year