Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage insurance. Comprehensive costs on average $320, collision costs $552, and liability coverage costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage costing around $3,126. Teenage 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:

Prices include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why everyone should compare prices based on a specific location, rather than using average rates.

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

Additional Rate Details

The chart below illustrates estimated Toyota Sequoia insurance rates for different risk profiles and scenarios.

• The best discount rate is $834
• Using higher $1,000 deductibles will save around $196 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,446
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,832
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,126 or more
• Policy cost that insures a teenage driver for full coverage may cost $5,362 or more

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on the model of your Sequoia, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 additional every year, depending on your age. Toyota Sequoia insurance for high-risk drivers can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age

Your home state has a huge impact on Toyota Sequoia insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $590 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and 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 Right Toyota Sequoia Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare prices every couple of years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the material that was raised in the charts and tables above.

• Consumers who require more liability protection will pay an extra $460 annually to increase from a 30/60 limit to the 250/500 level
• Youthful drivers pay higher rates, possibly costing $447 each month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions may pay on average $1,680 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $575 each year