Toyota Sequoia Insurance Rates

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UPDATED: May 27, 2024

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U.S. average auto insurance rates for a Toyota Sequoia are $1,454 annually with full coverage. Comprehensive costs around $332 a year, collision costs $566, and liability is $398. A policy with just liability insurance costs around $460 a year, with coverage for high-risk drivers costing around $3,136. 16-year-old drivers pay the highest rates at $5,348 a year or more.

Average premium for full coverage: $1,454

Price estimates for individual coverage:

Comprehensive $332
Collision $566
Liability $398

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Sequoia trim levels.

Price Range from Low to High

For the average 40-year-old driver, Toyota Sequoia insurance prices go from as cheap as $460 for a discount liability-only rate to a high of $3,136 for a driver who has had serious violations or accidents.

Liability Only $460
Full Coverage $1,454
High Risk $3,136

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

The ranges above demonstrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate 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.

Rates by State, City, and Model

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

  • The best full coverage rate is $836
  • Raising to $1,000 deductibles will save about $1,250 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,454
  • Buying low $100 deductibles will cost $1,848
  • Drivers with multiple tickets or accidents could pay at least $3,136 or more
  • The price with full coverage for a 16-year-old driver can be $5,348

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing full coverage Toyota Sequoia insurance rates range from $836 to $5,348

Insurance prices for a Toyota Sequoia are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $600 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Toyota Sequoia insurance prices. A middle-age driver might find prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or at least $1,970 on average in Florida, Michigan, and New York.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,316 -$138 -9.5%
Alaska $1,116 -$338 -23.2%
Arizona $1,208 -$246 -16.9%
Arkansas $1,454 -$0 0.0%
California $1,658 $204 14.0%
Colorado $1,388 -$66 -4.5%
Connecticut $1,496 $42 2.9%
Delaware $1,646 $192 13.2%
Florida $1,820 $366 25.2%
Georgia $1,344 -$110 -7.6%
Hawaii $1,044 -$410 -28.2%
Idaho $984 -$470 -32.3%
Illinois $1,086 -$368 -25.3%
Indiana $1,096 -$358 -24.6%
Iowa $982 -$472 -32.5%
Kansas $1,384 -$70 -4.8%
Kentucky $1,984 $530 36.5%
Louisiana $2,154 $700 48.1%
Maine $898 -$556 -38.2%
Maryland $1,200 -$254 -17.5%
Massachusetts $1,164 -$290 -19.9%
Michigan $2,528 $1,074 73.9%
Minnesota $1,218 -$236 -16.2%
Mississippi $1,744 $290 19.9%
Missouri $1,290 -$164 -11.3%
Montana $1,562 $108 7.4%
Nebraska $1,148 -$306 -21.0%
Nevada $1,746 $292 20.1%
New Hampshire $1,050 -$404 -27.8%
New Jersey $1,626 $172 11.8%
New Mexico $1,290 -$164 -11.3%
New York $1,534 $80 5.5%
North Carolina $838 -$616 -42.4%
North Dakota $1,192 -$262 -18.0%
Ohio $1,004 -$450 -30.9%
Oklahoma $1,496 $42 2.9%
Oregon $1,332 -$122 -8.4%
Pennsylvania $1,388 -$66 -4.5%
Rhode Island $1,942 $488 33.6%
South Carolina $1,318 -$136 -9.4%
South Dakota $1,228 -$226 -15.5%
Tennessee $1,274 -$180 -12.4%
Texas $1,754 $300 20.6%
Utah $1,078 -$376 -25.9%
Vermont $996 -$458 -31.5%
Virginia $870 -$584 -40.2%
Washington $1,126 -$328 -22.6%
West Virginia $1,334 -$120 -8.3%
Wisconsin $1,008 -$446 -30.7%
Wyoming $1,296 -$158 -10.9%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices may be quite 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 $1,368 $114
Toyota Sequoia SR/5 4WD $1,412 $118
Toyota Sequoia Limited 2WD $1,454 $121
Toyota Sequoia Limited 4WD $1,496 $125
Toyota Sequoia Platinum 2WD $1,538 $128
Toyota Sequoia Platinum 4WD $1,538 $128

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 $346 $570 $390 $1,464
2023 Toyota Sequoia $332 $566 $398 $1,454
2022 Toyota Sequoia $320 $552 $416 $1,446
2021 Toyota Sequoia $310 $530 $430 $1,428
2020 Toyota Sequoia $292 $512 $442 $1,404
2019 Toyota Sequoia $282 $474 $452 $1,366
2018 Toyota Sequoia $270 $446 $456 $1,330
2017 Toyota Sequoia $258 $400 $460 $1,276
2016 Toyota Sequoia $242 $368 $460 $1,228
2012 Toyota Sequoia $206 $272 $478 $1,114
2010 Toyota Sequoia $180 $226 $474 $1,038
2008 Toyota Sequoia $172 $198 $460 $988
2007 Toyota Sequoia $168 $188 $452 $966
2006 Toyota Sequoia $154 $180 $446 $938
2005 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 More Affordable Toyota Sequoia Insurance

Getting lower rates on insurance for a Toyota Sequoia consists of being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a summary of the ideas that were touched on in this article.

  • Youthful drivers pay higher prices, costing up to $446 a month including comprehensive and collision insurance
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,680 more every year than a low-risk driver
  • Increasing physical damage deductibles could save up to $600 each year
  • You may be able to save up to $180 per year simply by quoting early and online

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,348
20 $3,342
30 $1,522
40 $1,454
50 $1,328
60 $1,302

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,848
$250 $1,666
$500 $1,454
$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 $1,454
50/100 $1,618
100/300 $1,717
250/500 $1,976
100 CSL $1,657
300 CSL $1,876
500 CSL $2,036

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,638
20 $5,310
30 $3,212
40 $3,136
50 $2,992
60 $2,966

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 $78
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $107
5-yr Claim Free $94
Paid in Full/EFT $67
Advance Quote $72
Online Quote $104
Total Discounts $618
Rate after discounts $836

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

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