Toyota Sequoia Insurance Rates

The average insurance prices for a Toyota Sequoia are $1,446 every 12 months with full coverage. Comprehensive costs approximately $320 a year, collision costs $552, and liability costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing around $3,126. Teen 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:

Prices include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why it is important to compare prices using their specific location and their own driving history, instead of using price averages.

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

Additional Rate Details

The chart below details estimated Toyota Sequoia insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $834
• Using higher $1,000 deductibles will save $1,250 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,446
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,832
• Drivers with multiple violations and an at-fault accident could pay around $3,126 or more
• Policy cost to insure a teen driver can cost $5,362 or more

View Chart as Image

Car insurance rates for a Toyota Sequoia also range considerably based on liability limits and deductibles, your driving record, and the model of your Sequoia.

Choosing high deductibles could cut rates by as much as $590 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark 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 may be forking out anywhere from $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than average. View High Risk Driver Rates

Your home state has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes 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 Right Toyota Sequoia Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to shop around every couple of years by requesting quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a quick rundown of the material that was raised in the charts and tables above.

• Policyholders who purchase more liability protection will pay about $460 every year to increase from a 30/60 limit to a 250/500 level
• Youthful drivers pay the highest auto insurance rates, as much as $447 each month if the policy includes full coverage
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,680 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $575 each year