Toyota Sequoia Insurance Rates

U.S. average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage. Comprehensive costs approximately $320 a year, collision costs $552, and liability insurance costs around $416. A policy with just liability insurance costs as low as $474 a year, with coverage for high-risk drivers costing around $3,126. Teenage drivers pay the highest rates at $5,362 a year or more.

Average premium for full coverage: $1,446

Price estimates by individual coverage:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Sequoia trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

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

The ranges above show why it is important to compare prices using their specific location, rather than relying on average rates.

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 best discount rate is $834
• Using higher $1,000 deductibles will save $1,250 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,446
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,832
• Drivers who are prone to accidents and violations could pay around $3,126 or more
• The price that insures a teen driver can cost $5,362 or more

View Chart as Image

Insurance prices for a Toyota Sequoia are also quite variable based on the trim level of your Sequoia, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Toyota Sequoia insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,070 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $590 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different.

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 Affordable Toyota Sequoia Insurance

Getting lower rates on Toyota Sequoia insurance requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices at least once a year by requesting rates from direct carriers, and also from insurance agencies where you live.

The next list is a brief review of the primary concepts that were covered above.

• Drivers can save around $170 per year simply by quoting early and online
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,680 more per year to buy Toyota Sequoia insurance
• Increasing physical damage deductibles can save approximately $575 each year
• Drivers age 20 and younger are expensive to insure, with premiums as much as $447 a month if full coverage is included