Toyota Sequoia Insurance Rates

Estimated insurance rates for a Toyota Sequoia are $1,446 a year for full coverage insurance. Comprehensive insurance costs an estimated $320 a year, collision costs $552, and liability costs around $416. Liability-only insurance costs as low as $474 a year, with high-risk driver insurance costing $3,126 or more. Teens pay the most at $5,362 a year or more.

Average premium for full coverage: $1,446

Premium estimates broken down by type of coverage:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Sequoia trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how your location can change insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Toyota Sequoia insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $834
• Using higher $1,000 deductibles will save approximately $1,250 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,446
• Selecting low $100 deductibles for physical damage coverage will cost an extra $386 annually
• High-risk insureds with serious driving violations could pay up to $3,126 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,362 or more

View Chart as Image

Insurance prices for a Toyota Sequoia also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see prices as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $590 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company calculates prices differently, and prices will be substantially different from one company to the next.

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 Find Affordable Toyota Sequoia Insurance

Finding better rates on insurance for a Toyota Sequoia requires being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief review of the material that was illustrated above.

• Insureds who want more liability coverage will pay approximately $460 annually to increase from 30/60 bodily injury limits to 250/500 limits
• Teen drivers are expensive to insure, with premiums being up to $447 per month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,680 more annually to insure their Sequoia
• Increasing policy deductibles can save around $575 each year