Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,454 annually including full coverage. Comprehensive insurance costs on average $332, collision costs $566, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing $3,136 or more. Teenage drivers cost the most to insure at $5,348 a year or more.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

Full coverage includes $500 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Toyota Sequoia insurance rates for different risk profiles and scenarios.

• The best discount rate is $836
• Raising to $1,000 deductibles will save around $204 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,454
• Using more expensive low deductibles costs an additional $394 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $3,136 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $5,348

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Insurance rates for a Toyota Sequoia also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $600 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Sequoia insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates will be varied 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 More Affordable Toyota Sequoia Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a summary of the coverage data raised in the charts and tables above.

• You may be able to save as much as $180 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Teens pay higher rates, with premiums being up to $446 each month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations pay on average $1,680 more each year for Sequoia insurance