Toyota Sequoia Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance rates for a Toyota Sequoia are $1,330 a year with full coverage. Comprehensive costs around $270, collision insurance costs $446, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs around $2,876. 16-year-old drivers cost the most to insure at up to $5,056 a year.
Average premium for full coverage: $1,330
Policy rates for type of insurance:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Sequoia trim levels.
Price Range Variability
For the average driver, Toyota Sequoia insurance rates range from as low as $508 for just liability insurance to a much higher rate of $2,876 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities. The price range example below illustrates how location impacts auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using 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.
More Rate Details
The chart below details average Toyota Sequoia insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $775
- Using higher $1,000 deductibles will save about $162 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,330
- Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,646
- Drivers with multiple tickets or accidents could pay at least $2,876
- Policy cost for full coverage for a teen driver with full coverage can be $5,056 or more
Auto insurance rates for a Toyota Sequoia also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age
Your home state has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see rates 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.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $480 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 44% to 134% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Best Toyota Sequoia Insurance
Finding cheaper rates on car insurance requires being safe and accident-free, having good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below you'll find a brief recap of the coverage data touched on above.
- You may be able to save up to $160 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save around $475 each year
- Youthful drivers are expensive to insure, as much as $421 each month if they have full coverage
- Higher risk drivers who tend to receive serious violations pay an average of $1,550 more every year than a low-risk driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,500 |
| $500 | $1,330 |
| $1,000 | $1,168 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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