Toyota Sequoia Insurance Rates

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UPDATED: May 27, 2024

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Average auto insurance rates for a Toyota Sequoia are $1,446 annually including full coverage. Comprehensive costs around $320 each year, collision costs $552, and liability is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing around $3,126. Teen drivers receive the highest rates at $5,362 a year or more.

Average premium for full coverage: $1,446

Rate estimates for individual coverage type:

Comprehensive $320
Collision $552
Liability $416

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sequoia models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as cheap as $474 for liability-only coverage to a high rate of $3,126 for a driver that may need high-risk insurance.

Liability Only $474
Full Coverage $1,446
High Risk $3,126

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $1,085
Small Cities $1,518
Large Cities $1,952

These examples highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

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

  • The lowest rate with discounts is $834
  • Raising to $1,000 deductibles will save about $196 every year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,446
  • Choosing low deductibles will cost $1,832
  • Drivers with multiple violations and an at-fault accident could pay at least $3,126 or more
  • The cost with full coverage for a 16-year-old driver can be $5,362

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing full coverage Toyota Sequoia insurance rates range from $834 to $5,362

Auto insurance rates for a Toyota Sequoia can also vary considerably based on the trim level of your Sequoia, your driving characteristics, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $590 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Toyota Sequoia insurance prices. A middle-age driver might find rates as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,070 on average in Michigan, New York, and Louisiana.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,310 -$136 -9.4%
Alaska $1,112 -$334 -23.1%
Arizona $1,202 -$244 -16.9%
Arkansas $1,446 -$0 0.0%
California $1,650 $204 14.1%
Colorado $1,384 -$62 -4.3%
Connecticut $1,490 $44 3.0%
Delaware $1,638 $192 13.3%
Florida $1,810 $364 25.2%
Georgia $1,336 -$110 -7.6%
Hawaii $1,038 -$408 -28.2%
Idaho $980 -$466 -32.2%
Illinois $1,078 -$368 -25.4%
Indiana $1,090 -$356 -24.6%
Iowa $978 -$468 -32.4%
Kansas $1,376 -$70 -4.8%
Kentucky $1,976 $530 36.7%
Louisiana $2,142 $696 48.1%
Maine $892 -$554 -38.3%
Maryland $1,194 -$252 -17.4%
Massachusetts $1,158 -$288 -19.9%
Michigan $2,514 $1,068 73.9%
Minnesota $1,210 -$236 -16.3%
Mississippi $1,734 $288 19.9%
Missouri $1,284 -$162 -11.2%
Montana $1,556 $110 7.6%
Nebraska $1,142 -$304 -21.0%
Nevada $1,734 $288 19.9%
New Hampshire $1,042 -$404 -27.9%
New Jersey $1,618 $172 11.9%
New Mexico $1,282 -$164 -11.3%
New York $1,526 $80 5.5%
North Carolina $834 -$612 -42.3%
North Dakota $1,184 -$262 -18.1%
Ohio $1,002 -$444 -30.7%
Oklahoma $1,484 $38 2.6%
Oregon $1,326 -$120 -8.3%
Pennsylvania $1,380 -$66 -4.6%
Rhode Island $1,930 $484 33.5%
South Carolina $1,310 -$136 -9.4%
South Dakota $1,222 -$224 -15.5%
Tennessee $1,268 -$178 -12.3%
Texas $1,746 $300 20.7%
Utah $1,072 -$374 -25.9%
Vermont $992 -$454 -31.4%
Virginia $868 -$578 -40.0%
Washington $1,120 -$326 -22.5%
West Virginia $1,326 -$120 -8.3%
Wisconsin $1,002 -$444 -30.7%
Wyoming $1,290 -$156 -10.8%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Toyota Sequoia Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Sequoia SR/5 2WD $1,364 $114
Toyota Sequoia SR/5 4WD $1,406 $117
Toyota Sequoia Limited 2WD $1,446 $121
Toyota Sequoia Limited 4WD $1,488 $124
Toyota Sequoia Platinum 2WD $1,528 $127
Toyota Sequoia Platinum 4WD $1,528 $127

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.

Toyota Sequoia Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Sequoia $332 $566 $398 $1,454
2023 Toyota Sequoia $320 $552 $416 $1,446
2022 Toyota Sequoia $310 $530 $430 $1,428
2021 Toyota Sequoia $292 $512 $442 $1,404
2020 Toyota Sequoia $282 $474 $452 $1,366
2019 Toyota Sequoia $270 $446 $456 $1,330
2018 Toyota Sequoia $258 $400 $460 $1,276
2017 Toyota Sequoia $242 $368 $460 $1,228
2016 Toyota Sequoia $234 $346 $464 $1,202
2012 Toyota Sequoia $192 $248 $474 $1,072
2010 Toyota Sequoia $174 $202 $468 $1,002
2008 Toyota Sequoia $168 $188 $452 $966
2007 Toyota Sequoia $154 $180 $446 $938
2006 Toyota Sequoia $150 $170 $442 $920

Rates are averaged for all Toyota Sequoia models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheap Toyota Sequoia Insurance

Saving money on insurance for a Toyota Sequoia consists of avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a brief summary of the data that was illustrated above.

  • You may be able to save up to $170 per year simply by quoting online in advance
  • Insureds who may need higher liability limits will pay about $460 per year to raise from a minimum limit to higher 250/500 limits
  • Teenagers are expensive to insure, as much as $447 per month if full coverage is included
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,680 more every year for car insurance

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,362
20 $3,328
30 $1,510
40 $1,446
50 $1,320
60 $1,294

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,654
$500 $1,446
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,446
50/100 $1,611
100/300 $1,715
250/500 $1,986
100 CSL $1,653
300 CSL $1,882
500 CSL $2,048

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,652
20 $5,294
30 $3,196
40 $3,126
50 $2,982
60 $2,954

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $106
5-yr Claim Free $93
Paid in Full/EFT $66
Advance Quote $71
Online Quote $103
Total Discounts $612
Rate after discounts $834

Discounts are estimated and may not be available from every company or in every state.

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