Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,446 annually including full coverage. Comprehensive costs an estimated $320, collision costs $552, and liability costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing around $3,126. Teens 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:

Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

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

The examples above highlight why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $834
• Using higher $1,000 deductibles will save approximately $196 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,446
• Selecting pricier low deductibles for physical damage coverage will cost $1,832
• High-risk insureds with serious driving 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 or more

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

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged 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 likely paying $1,700 to $2,300 extra every year, depending on your age. Toyota Sequoia insurance for high-risk drivers can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $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 which auto insurance is cheapest is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so rate quotes 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 insurance for a Toyota Sequoia requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a summary of the primary concepts that were covered above.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,680 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Teenage drivers have the highest car insurance rates, with premiums being up to $447 each month if comprehensive and collision insurance is included