Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage insurance. Comprehensive insurance costs an estimated $320, collision costs $552, and liability insurance costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing $3,126 or more. Teenage drivers cost the most to insure at $5,362 a year or more.

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. 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 significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why everyone should compare prices for a targeted area, rather than relying on average rates.

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

More Rate Details

The chart below illustrates estimated Toyota Sequoia insurance rates for other coverage scenarios.

• The best discount rate is $834
• Using higher $1,000 deductibles will save approximately $196 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,446
• Using pricier low deductibles for physical damage coverage will cost an additional $386 a year
• Drivers who are prone to accidents and violations could pay up to $3,126 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $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 liability limits and deductibles.

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

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

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

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the 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 More Affordable Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance requires having a decent driving record, having above-average credit, being claim-free, and taking advantage of discounts. Compare prices at every other renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following items are a summary of the concepts that were covered in the above illustrations.

• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,680 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $447 each month if full coverage is included
• It is possible to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• It is possible to save approximately $170 per year simply by quoting online well ahead of the renewal date