Toyota Sequoia Insurance Rates

The average insurance prices for a Toyota Sequoia are $1,446 every 12 months including full coverage. Comprehensive costs on average $320 each year, collision costs $552, and liability is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing around $3,126. 16-year-old 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:

Rate estimates include $500 policy 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 Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location and their own driving history, instead of using rate averages.

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 different risk profiles and scenarios.

• The best full coverage rate is $834
• Raising to $1,000 deductibles will save around $196 every year
• The average price for a good driver age 40 with $500 deductibles is $1,446
• Buying low deductibles increases the price to $1,832
• At-risk drivers with multiple tickets or accidents could pay upwards of $3,126 or more
• Policy cost to insure a teen driver may cost $5,362

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Sequoia.

Opting for high physical damage deductibles can reduce rates by up to $590 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Toyota Sequoia insurance prices. A middle-age driver might find rates as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,070 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, 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 Shop for the Best Toyota Sequoia Insurance

Finding cheaper rates on car insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates at least once a year by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a brief recap of the primary concepts that were covered above.

• You may be able to save as much as $170 per year simply by quoting online in advance
• Higher risk drivers who tend to receive serious violations may pay on average $1,680 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Drivers age 16 to 20 pay higher rates, with premiums being up to $447 each month if full coverage is included