Toyota Sequoia Insurance Rates

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

Average premium for full coverage: $1,446

Rate estimates broken down by individual coverage type:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all Sequoia models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how your location can change insurance prices.

These examples illustrate why everyone should compare prices for a targeted area, instead of using average rates.

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

More Rate Information

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 40-year-old driver who has $500 deductibles is $1,446
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,832
• Drivers who are prone to accidents and violations could pay up to $3,126 or more
• The cost that insures a teen driver for full coverage can cost as much as $5,362 or more

View Chart as Image

Auto insurance rates for a Toyota Sequoia can also vary considerably based on the model of your Sequoia, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,700 to $2,300 in extra premium per year, depending on your age. Toyota Sequoia insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age

Where you live has a huge impact on Toyota Sequoia insurance prices. 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 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

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

Saving money on car insurance requires being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a summary of the material that was illustrated above.

• Policyholders who want an increased level of liability coverage will pay an extra $460 annually to increase from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, costing up to $447 per month if the policy includes full coverage
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,680 more annually than a safer driver
• Increasing deductibles can save approximately $575 each year