Toyota Sequoia Insurance Rates

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

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

Estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area 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.

Rate Comparisons

The chart below illustrates estimated Toyota Sequoia insurance rates for other coverage scenarios.

• The best discount rate is $834
• Raising to $1,000 deductibles will save approximately $196 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,446
• Using pricier low deductibles costs an additional $386 annually
• Drivers who are prone to accidents and violations could pay up to $3,126 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,362

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Insurance rates for a Toyota Sequoia also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $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 probably paying $1,700 to $2,300 additional every year, depending on your age. Toyota Sequoia insurance for high-risk drivers is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $590 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Sequoia insurance prices. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and 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 Low Cost Toyota Sequoia Insurance

Finding cheaper rates on insurance for a Toyota Sequoia consists of having a good driving record, having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates every year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a review of the coverage data presented in the illustrations above.

• It is possible to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Drivers age 20 and younger are expensive to insure, possibly costing $447 each month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,680 more annually to buy Toyota Sequoia insurance