Toyota Sequoia Insurance Rates
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UPDATED: Jun 6, 2023
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U.S. average insurance rates for a Toyota Sequoia are $1,330 a year for full coverage insurance. Comprehensive insurance costs on average $270 each year, collision insurance costs $446, and liability insurance is estimated at $456. Liability-only insurance costs approximately $508 a year, and high-risk driver insurance costs $2,876 or more. Teenage drivers pay the highest rates at up to $5,056 a year.
Average premium for full coverage: $1,330
Price estimates by individual coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Sequoia models.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota Sequoia insurance prices range from the low end price of $508 for your basic liability-only policy to a high rate of $2,876 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how where you live affects car insurance rates.
The ranges above illustrate why all drivers should get quotes based on a specific location, rather than relying on 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.
More Rate Information
The chart below illustrates average Toyota Sequoia insurance rates for different risk profiles and scenarios.
- The best discount rate is $775
- Choosing higher $1,000 deductibles can save around $162 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,330
- Using low deductibles for comp and collision coverage will cost an additional $316 a year
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,876
- The price that insures a teen driver may cost $5,056 each year
Car insurance prices for a Toyota Sequoia are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age
The state you live in plays a big part in determining prices for Toyota Sequoia insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,800 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,204 | -$126 | -9.5% |
| Alaska | $1,020 | -$310 | -23.3% |
| Arizona | $1,104 | -$226 | -17.0% |
| Arkansas | $1,330 | -$0 | 0.0% |
| California | $1,518 | $188 | 14.1% |
| Colorado | $1,272 | -$58 | -4.4% |
| Connecticut | $1,368 | $38 | 2.9% |
| Delaware | $1,508 | $178 | 13.4% |
| Florida | $1,666 | $336 | 25.3% |
| Georgia | $1,228 | -$102 | -7.7% |
| Hawaii | $956 | -$374 | -28.1% |
| Idaho | $898 | -$432 | -32.5% |
| Illinois | $992 | -$338 | -25.4% |
| Indiana | $1,002 | -$328 | -24.7% |
| Iowa | $898 | -$432 | -32.5% |
| Kansas | $1,264 | -$66 | -5.0% |
| Kentucky | $1,816 | $486 | 36.5% |
| Louisiana | $1,970 | $640 | 48.1% |
| Maine | $822 | -$508 | -38.2% |
| Maryland | $1,096 | -$234 | -17.6% |
| Massachusetts | $1,064 | -$266 | -20.0% |
| Michigan | $2,312 | $982 | 73.8% |
| Minnesota | $1,114 | -$216 | -16.2% |
| Mississippi | $1,594 | $264 | 19.8% |
| Missouri | $1,180 | -$150 | -11.3% |
| Montana | $1,430 | $100 | 7.5% |
| Nebraska | $1,048 | -$282 | -21.2% |
| Nevada | $1,596 | $266 | 20.0% |
| New Hampshire | $958 | -$372 | -28.0% |
| New Jersey | $1,488 | $158 | 11.9% |
| New Mexico | $1,180 | -$150 | -11.3% |
| New York | $1,402 | $72 | 5.4% |
| North Carolina | $768 | -$562 | -42.3% |
| North Dakota | $1,088 | -$242 | -18.2% |
| Ohio | $918 | -$412 | -31.0% |
| Oklahoma | $1,366 | $36 | 2.7% |
| Oregon | $1,220 | -$110 | -8.3% |
| Pennsylvania | $1,270 | -$60 | -4.5% |
| Rhode Island | $1,776 | $446 | 33.5% |
| South Carolina | $1,204 | -$126 | -9.5% |
| South Dakota | $1,122 | -$208 | -15.6% |
| Tennessee | $1,164 | -$166 | -12.5% |
| Texas | $1,604 | $274 | 20.6% |
| Utah | $986 | -$344 | -25.9% |
| Vermont | $912 | -$418 | -31.4% |
| Virginia | $798 | -$532 | -40.0% |
| Washington | $1,028 | -$302 | -22.7% |
| West Virginia | $1,220 | -$110 | -8.3% |
| Wisconsin | $922 | -$408 | -30.7% |
| Wyoming | $1,186 | -$144 | -10.8% |
Using high physical damage deductibles can save as much as $480 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Sequoia SR/5 2WD | $1,264 | $105 |
| Toyota Sequoia SR/5 4WD | $1,298 | $108 |
| Toyota Sequoia Limited 2WD | $1,330 | $111 |
| Toyota Sequoia Limited 4WD | $1,364 | $114 |
| Toyota Sequoia Platinum 2WD | $1,398 | $117 |
| Toyota Sequoia Platinum 4WD | $1,398 | $117 |
Rates assume 2017 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 |
|---|---|---|---|---|
| 2017 Toyota Sequoia | $270 | $446 | $456 | $1,330 |
| 2012 Toyota Sequoia | $210 | $300 | $474 | $1,142 |
| 2010 Toyota Sequoia | $192 | $248 | $474 | $1,072 |
| 2008 Toyota Sequoia | $174 | $202 | $468 | $1,002 |
| 2007 Toyota Sequoia | $172 | $198 | $460 | $988 |
| 2006 Toyota Sequoia | $168 | $188 | $452 | $966 |
| 2005 Toyota Sequoia | $154 | $180 | $446 | $938 |
| 2004 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 Find Low Cost Toyota Sequoia Insurance
Getting lower rates on Toyota Sequoia insurance takes having a decent driving record, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices every year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a review of the coverage data touched on in the above illustrations.
- It is possible to save as much as $160 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $475 each year
- 16 to 18-year-old drivers are expensive to insure, as much as $421 a month if full coverage is purchased
- High-risk drivers who have several accidents or serious violations may pay on average $1,550 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,056 |
| 20 | $3,058 |
| 30 | $1,378 |
| 40 | $1,330 |
| 50 | $1,216 |
| 60 | $1,192 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,500 |
| $500 | $1,330 |
| $1,000 | $1,168 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,330 |
| 50/100 | $1,489 |
| 100/300 | $1,603 |
| 250/500 | $1,900 |
| 100 CSL | $1,535 |
| 300 CSL | $1,786 |
| 500 CSL | $1,968 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,196 |
| 20 | $4,870 |
| 30 | $2,926 |
| 40 | $2,876 |
| 50 | $2,746 |
| 60 | $2,722 |
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 | $70 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $94 |
| Total Discounts | $555 |
Discounts are estimated and may not be available from every company or in every state.
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