Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,454 a year for full coverage. Comprehensive costs an estimated $332, collision costs $566, and liability costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing around $3,136. Teenage drivers cost the most to insure at $5,348 a year or more.

Average premium for full coverage: $1,454

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities.

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

The examples above show why everyone should compare prices for a targeted area, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $836
• Using higher $1,000 deductibles will save approximately $204 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,454
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,848
• Drivers who are prone to accidents and violations could pay up to $3,136 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $5,348 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying $1,700 to $2,300 extra every year, depending on your age. Toyota Sequoia insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age

Your home state has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,080 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, 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 Find Cheaper Toyota Sequoia Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices every other policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a condensed summary of the ideas that were illustrated above.

• Teenagers have the highest car insurance rates, costing up to $446 each month if full coverage is purchased
• Higher risk drivers with multiple at-fault accidents may pay on average $1,680 more annually for car insurance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers can save approximately $180 per year simply by quoting online well ahead of the renewal date