Toyota Sequoia Insurance Rates

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UPDATED: May 27, 2024

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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:

Comprehensive $320
Collision $552
Liability $416

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

For a driver around age 40, Toyota Sequoia insurance rates go from the cheapest price of $474 for minimum levels of liability insurance to a high rate of $3,126 for coverage for higher-risk drivers.

Liability Only $474
Full Coverage $1,446
High Risk $3,126

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.

Rural Areas $1,085
Small Cities $1,518
Large Cities $1,952

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Toyota Sequoia insurance cost comparison chart
Column chart showing full coverage Toyota Sequoia insurance rates range from $834 to $5,362

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.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,310 -$136 -9.4%
Alaska $1,112 -$334 -23.1%
Arizona $1,202 -$244 -16.9%
Arkansas $1,446 -$0 0.0%
California $1,650 $204 14.1%
Colorado $1,384 -$62 -4.3%
Connecticut $1,490 $44 3.0%
Delaware $1,638 $192 13.3%
Florida $1,810 $364 25.2%
Georgia $1,336 -$110 -7.6%
Hawaii $1,038 -$408 -28.2%
Idaho $980 -$466 -32.2%
Illinois $1,078 -$368 -25.4%
Indiana $1,090 -$356 -24.6%
Iowa $978 -$468 -32.4%
Kansas $1,376 -$70 -4.8%
Kentucky $1,976 $530 36.7%
Louisiana $2,142 $696 48.1%
Maine $892 -$554 -38.3%
Maryland $1,194 -$252 -17.4%
Massachusetts $1,158 -$288 -19.9%
Michigan $2,514 $1,068 73.9%
Minnesota $1,210 -$236 -16.3%
Mississippi $1,734 $288 19.9%
Missouri $1,284 -$162 -11.2%
Montana $1,556 $110 7.6%
Nebraska $1,142 -$304 -21.0%
Nevada $1,734 $288 19.9%
New Hampshire $1,042 -$404 -27.9%
New Jersey $1,618 $172 11.9%
New Mexico $1,282 -$164 -11.3%
New York $1,526 $80 5.5%
North Carolina $834 -$612 -42.3%
North Dakota $1,184 -$262 -18.1%
Ohio $1,002 -$444 -30.7%
Oklahoma $1,484 $38 2.6%
Oregon $1,326 -$120 -8.3%
Pennsylvania $1,380 -$66 -4.6%
Rhode Island $1,930 $484 33.5%
South Carolina $1,310 -$136 -9.4%
South Dakota $1,222 -$224 -15.5%
Tennessee $1,268 -$178 -12.3%
Texas $1,746 $300 20.7%
Utah $1,072 -$374 -25.9%
Vermont $992 -$454 -31.4%
Virginia $868 -$578 -40.0%
Washington $1,120 -$326 -22.5%
West Virginia $1,326 -$120 -8.3%
Wisconsin $1,002 -$444 -30.7%
Wyoming $1,290 -$156 -10.8%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

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

Toyota Sequoia Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Sequoia SR/5 2WD $1,364 $114
Toyota Sequoia SR/5 4WD $1,406 $117
Toyota Sequoia Limited 2WD $1,446 $121
Toyota Sequoia Limited 4WD $1,488 $124
Toyota Sequoia Platinum 2WD $1,528 $127
Toyota Sequoia Platinum 4WD $1,528 $127

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.

Toyota Sequoia Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Sequoia $332 $566 $398 $1,454
2023 Toyota Sequoia $320 $552 $416 $1,446
2022 Toyota Sequoia $310 $530 $430 $1,428
2021 Toyota Sequoia $292 $512 $442 $1,404
2020 Toyota Sequoia $282 $474 $452 $1,366
2019 Toyota Sequoia $270 $446 $456 $1,330
2018 Toyota Sequoia $258 $400 $460 $1,276
2017 Toyota Sequoia $242 $368 $460 $1,228
2016 Toyota Sequoia $234 $346 $464 $1,202
2012 Toyota Sequoia $192 $248 $474 $1,072
2010 Toyota Sequoia $174 $202 $468 $1,002
2008 Toyota Sequoia $168 $188 $452 $966
2007 Toyota Sequoia $154 $180 $446 $938
2006 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 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

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,362
20 $3,328
30 $1,510
40 $1,446
50 $1,320
60 $1,294

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,654
$500 $1,446
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,446
50/100 $1,611
100/300 $1,715
250/500 $1,986
100 CSL $1,653
300 CSL $1,882
500 CSL $2,048

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,652
20 $5,294
30 $3,196
40 $3,126
50 $2,982
60 $2,954

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.

SR-22 Surcharge $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $106
5-yr Claim Free $93
Paid in Full/EFT $66
Advance Quote $71
Online Quote $103
Total Discounts $612
Rate after discounts $834

Discounts are estimated and may not be available from every company or in every state.

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