Toyota Sequoia Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 27, 2024
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Average auto insurance rates for a Toyota Sequoia are $1,454 annually for full coverage. Comprehensive costs around $332, collision insurance costs $566, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, and coverage for high-risk drivers costs around $3,136. Teenage drivers receive the highest rates at up to $5,348 a year.
Average premium for full coverage: $1,454
Rate estimates for individual coverage type:
Price estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different Sequoia trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $460 for liability-only coverage to a much higher rate of $3,136 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.
These examples show why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of using average rates.
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.
Additional Charts and Tables
The chart below shows average Toyota Sequoia insurance rates for additional coverage choices and driver risks.
- The best discount rate is $836
- Choosing higher $1,000 deductibles can save about $204 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,454
- Using more expensive low deductibles for comp and collision coverage will cost $1,848
- Unlucky drivers who are prone to accidents and violations could pay at least $3,136
- The cost with full coverage for a teen driver with full coverage can be $5,348 each year
Insurance rates for a Toyota Sequoia can also vary considerably based on the trim level of your Sequoia, your driver profile, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance ranges as much as 43% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $600 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Toyota Sequoia insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,080 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$138 | -9.5% |
| Alaska | $1,116 | -$338 | -23.2% |
| Arizona | $1,208 | -$246 | -16.9% |
| Arkansas | $1,454 | -$0 | 0.0% |
| California | $1,658 | $204 | 14.0% |
| Colorado | $1,388 | -$66 | -4.5% |
| Connecticut | $1,496 | $42 | 2.9% |
| Delaware | $1,646 | $192 | 13.2% |
| Florida | $1,820 | $366 | 25.2% |
| Georgia | $1,344 | -$110 | -7.6% |
| Hawaii | $1,044 | -$410 | -28.2% |
| Idaho | $984 | -$470 | -32.3% |
| Illinois | $1,086 | -$368 | -25.3% |
| Indiana | $1,096 | -$358 | -24.6% |
| Iowa | $982 | -$472 | -32.5% |
| Kansas | $1,384 | -$70 | -4.8% |
| Kentucky | $1,984 | $530 | 36.5% |
| Louisiana | $2,154 | $700 | 48.1% |
| Maine | $898 | -$556 | -38.2% |
| Maryland | $1,200 | -$254 | -17.5% |
| Massachusetts | $1,164 | -$290 | -19.9% |
| Michigan | $2,528 | $1,074 | 73.9% |
| Minnesota | $1,218 | -$236 | -16.2% |
| Mississippi | $1,744 | $290 | 19.9% |
| Missouri | $1,290 | -$164 | -11.3% |
| Montana | $1,562 | $108 | 7.4% |
| Nebraska | $1,148 | -$306 | -21.0% |
| Nevada | $1,746 | $292 | 20.1% |
| New Hampshire | $1,050 | -$404 | -27.8% |
| New Jersey | $1,626 | $172 | 11.8% |
| New Mexico | $1,290 | -$164 | -11.3% |
| New York | $1,534 | $80 | 5.5% |
| North Carolina | $838 | -$616 | -42.4% |
| North Dakota | $1,192 | -$262 | -18.0% |
| Ohio | $1,004 | -$450 | -30.9% |
| Oklahoma | $1,496 | $42 | 2.9% |
| Oregon | $1,332 | -$122 | -8.4% |
| Pennsylvania | $1,388 | -$66 | -4.5% |
| Rhode Island | $1,942 | $488 | 33.6% |
| South Carolina | $1,318 | -$136 | -9.4% |
| South Dakota | $1,228 | -$226 | -15.5% |
| Tennessee | $1,274 | -$180 | -12.4% |
| Texas | $1,754 | $300 | 20.6% |
| Utah | $1,078 | -$376 | -25.9% |
| Vermont | $996 | -$458 | -31.5% |
| Virginia | $870 | -$584 | -40.2% |
| Washington | $1,126 | -$328 | -22.6% |
| West Virginia | $1,334 | -$120 | -8.3% |
| Wisconsin | $1,008 | -$446 | -30.7% |
| Wyoming | $1,296 | -$158 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Sequoia SR/5 2WD | $1,368 | $114 |
| Toyota Sequoia SR/5 4WD | $1,412 | $118 |
| Toyota Sequoia Limited 2WD | $1,454 | $121 |
| Toyota Sequoia Limited 4WD | $1,496 | $125 |
| Toyota Sequoia Platinum 2WD | $1,538 | $128 |
| Toyota Sequoia Platinum 4WD | $1,538 | $128 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Sequoia | $346 | $570 | $390 | $1,464 |
| 2023 Toyota Sequoia | $332 | $566 | $398 | $1,454 |
| 2022 Toyota Sequoia | $320 | $552 | $416 | $1,446 |
| 2021 Toyota Sequoia | $310 | $530 | $430 | $1,428 |
| 2020 Toyota Sequoia | $292 | $512 | $442 | $1,404 |
| 2019 Toyota Sequoia | $282 | $474 | $452 | $1,366 |
| 2018 Toyota Sequoia | $270 | $446 | $456 | $1,330 |
| 2017 Toyota Sequoia | $258 | $400 | $460 | $1,276 |
| 2016 Toyota Sequoia | $242 | $368 | $460 | $1,228 |
| 2012 Toyota Sequoia | $206 | $272 | $478 | $1,114 |
| 2010 Toyota Sequoia | $180 | $226 | $474 | $1,038 |
| 2008 Toyota Sequoia | $172 | $198 | $460 | $988 |
| 2007 Toyota Sequoia | $168 | $188 | $452 | $966 |
| 2006 Toyota Sequoia | $154 | $180 | $446 | $938 |
| 2005 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 Buy Cheaper Toyota Sequoia Insurance
Saving money on car insurance takes not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Make time to compare rates at least every other year by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a condensed summary of the car insurance concepts touched on in this article.
- Higher risk drivers with multiple at-fault accidents pay an average of $1,680 more every year for Sequoia insurance
- Drivers can save up to $180 per year just by shopping early and online
- Increasing deductibles could save up to $600 each year
- Policyholders who may need higher liability limits will pay an extra $440 each year to raise limits from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,348 |
| 20 | $3,342 |
| 30 | $1,522 |
| 40 | $1,454 |
| 50 | $1,328 |
| 60 | $1,302 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,848 |
| $250 | $1,666 |
| $500 | $1,454 |
| $1,000 | $1,250 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,454 |
| 50/100 | $1,618 |
| 100/300 | $1,717 |
| 250/500 | $1,976 |
| 100 CSL | $1,657 |
| 300 CSL | $1,876 |
| 500 CSL | $2,036 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,638 |
| 20 | $5,310 |
| 30 | $3,212 |
| 40 | $3,136 |
| 50 | $2,992 |
| 60 | $2,966 |
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 | $78 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $67 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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