Toyota Sequoia Insurance Rates

The average auto insurance rates for a Toyota Sequoia are $1,446 annually with full coverage. Comprehensive costs approximately $320, collision costs $552, and liability is estimated at $416. Buying just liability costs approximately $474 a year, with insurance for high-risk drivers costing around $3,126. 16-year-old 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:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities.

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

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $834
• Choosing higher $1,000 deductibles can save $196 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,446
• Buying more expensive low deductibles for comp and collision coverage will cost $1,832
• Higher-risk drivers with multiple tickets or accidents could pay around $3,126 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $5,362 each year

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Insurance rates for a Toyota Sequoia also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark 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 may be forking out anywhere from $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $590 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Toyota Sequoia insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or at least $1,950 on average in New York, Michigan, and Florida.

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Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, so the 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 Cheap Toyota Sequoia Insurance

Finding cheaper rates on insurance for a Toyota Sequoia takes not taking risks behind the wheel, having a good credit history, not filing small claims, and maximizing policy discounts. Invest time comparing rates every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief summary of the information covered in the charts and tables above.

• You may be able to save around $170 per year simply by shopping early and online
• Teens are expensive to insure, as much as $447 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,680 more per year for Sequoia insurance
• Insureds who purchase higher liability limits will pay around $460 every year to raise limits from a 30/60 limit to higher 250/500 limits