Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage. Comprehensive costs approximately $320 each year, collision costs $552, and liability coverage costs $416. Liability-only coverage costs as little as $474 a year, with high-risk coverage costing around $3,126. Teen 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:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates how where you live affects auto insurance prices.

The examples above show why all drivers should compare rates using their specific location and risk profile, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $834
• Drivers who choose higher $1,000 deductibles will pay $196 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,446
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,832
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,126 or more
• Policy cost for full coverage for a teenage driver can cost $5,362 a year

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on your risk profile, the trim level of your Sequoia, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state makes a big difference in Toyota Sequoia insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,070 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $590 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and rates 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 Affordable Toyota Sequoia Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the ideas that were touched on in the above illustrations.

• Teen drivers are the costliest to insure, costing up to $447 each month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,680 more per year to insure their Sequoia
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers can save around $170 per year simply by quoting online in advance