Toyota Sequoia Insurance Rates

The average insurance prices for a Toyota Sequoia are $1,454 every 12 months for full coverage insurance. Comprehensive costs approximately $332 a year, collision costs $566, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, with high-risk coverage costing around $3,136. Teens cost the most to insure at $5,348 a year or more.

Average premium for full coverage: $1,454

Policy rates by type of insurance:

Full coverage includes $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

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

The examples above illustrate why it is important to get quotes using their specific location and their own driving history, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $836
• Choosing higher $1,000 deductibles can save $1,250 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,454
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,848
• Unlucky drivers with serious driving violations could pay around $3,136 or more
• Policy cost to insure a teen driver can cost $5,348 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Sequoia insurance prices. A good driver about age 40 could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, and rates 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 Shop for More Affordable Toyota Sequoia Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop once a year by getting quotes from direct insurance companies, and also from local insurance agencies.

The following is a summary of the data that was touched on in the above illustrations.

• It is possible to save around $180 per year simply by quoting early and online
• Policyholders who purchase higher liability limits will pay approximately $440 annually to raise limits from a 30/60 limit to a 250/500 level
• Teens are the costliest to insure, possibly costing $446 each month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,680 more per year for Sequoia insurance