Toyota Sequoia Insurance Rates

U.S. average auto insurance rates for a Toyota Sequoia are $1,446 annually for full coverage. Comprehensive insurance costs around $320, collision costs $552, and liability insurance costs around $416. A policy with just liability insurance costs as low as $474 a year, with coverage for high-risk drivers costing $3,126 or more. Teenage drivers pay the highest rates at $5,362 a year or more.

Average premium for full coverage: $1,446

Price estimates for individual coverage:

Price estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Sequoia trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below shows estimated Toyota Sequoia insurance rates for additional coverage choices and driver risks.

• The best discount rate is $834
• Using higher $1,000 deductibles will save about $196 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,446
• Using more expensive low deductibles for physical damage coverage costs an additional $386 a year
• Drivers who are prone to accidents and violations could pay at least $3,126 or more
• The price with full coverage for a teen driver with full coverage can be $5,362 or more

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Insurance prices for a Toyota Sequoia are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $590 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Sequoia insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,070 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

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 Buy Cheaper Toyota Sequoia Insurance

Getting lower rates on Toyota Sequoia insurance requires having a good driving record, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a condensed summary of the material that was covered in the charts and tables above.

• Drivers who may need increased levels of liability coverage will pay an extra $460 each year to increase from a low limit to higher 250/500 limits
• Drivers age 20 and younger pay higher prices, with premiums as much as $447 a month including comprehensive and collision insurance
• High-risk drivers with multiple at-fault accidents pay an average of $1,680 more every year to buy Toyota Sequoia insurance
• Increasing physical damage deductibles could save up to $575 each year