Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year with full coverage. Comprehensive insurance costs an estimated $320, collision costs $552, and liability insurance costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing $3,126 or more. Teen drivers cost the most to insure at $5,362 a year or more.

Average premium for full coverage: $1,446

Policy rates broken down by type of insurance:

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $834
• Using higher $1,000 deductibles will save approximately $196 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,446
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $386 a year
• Drivers with multiple violations and an at-fault accident could pay up to $3,126 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,362 or more

View Chart as Image

Car insurance rates for a Toyota Sequoia also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with no driving violations and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $5,300 a year. View Rates by Age

Your home state has a huge impact on Toyota Sequoia insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,950 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $590 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be varied 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 Cheap Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance requires being a low-risk driver, having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief summary of the data that was covered in the above illustrations.

• You may be able to save approximately $170 per year simply by shopping early and online
• Drivers who want more liability coverage will pay about $460 every year to increase from a 30/60 limit to 250/500 limits
• Teen drivers have the highest car insurance rates, as much as $447 each month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,680 more annually to insure their Sequoia