Toyota Sequoia Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance prices for a Toyota Sequoia are $1,330 every 12 months including full coverage. Comprehensive costs an estimated $270, collision costs $446, and liability coverage is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $2,876. Teens receive the highest rates at $5,056 a year or more.
Average premium for full coverage: $1,330
Rate estimates broken down by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different Sequoia trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $508 for a discount liability-only rate to a much higher rate of $2,876 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below breaks down estimated Toyota Sequoia insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $775
- Raising to $1,000 deductibles will save approximately $162 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,330
- Selecting more expensive low deductibles increases the price to $1,646
- Unlucky drivers with serious driving violations could pay up to $2,876 or more
- The cost to insure a teenage driver with full coverage can cost as much as $5,056
Car insurance rates for a Toyota Sequoia can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 134% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Toyota Sequoia insurance rates. A middle-age driver might find rates as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,900 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes can be significantly different.
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 Shop for Cheaper Toyota Sequoia Insurance
Saving money on auto insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The items below are a condensed summary of the data touched on in this article.
- Consumers who want more liability coverage will pay approximately $500 per year to raise from a minimum limit to a 250/500 level
- You may be able to save approximately $160 per year simply by shopping early and online
- Increasing deductibles could save as much as $475 each year
- Teen drivers have the highest car insurance rates, as much as $421 per month if the policy includes full coverage
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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