Toyota Sequoia Insurance Rates
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UPDATED: Jun 6, 2023
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The average auto insurance rates for a Toyota Sequoia are $1,330 annually including full coverage. Comprehensive insurance costs around $270 each year, collision costs $446, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing $2,876 or more. Teenage drivers cost the most to insure at $5,056 a year or more.
Average premium for full coverage: $1,330
Policy rates for type of insurance:
Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Sequoia models.
Price Range Variability
For an average driver, Toyota Sequoia insurance rates go from as cheap as $508 for just liability insurance to a high rate of $2,876 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The examples above highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.
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.
More Rate Details
The chart below breaks down estimated Toyota Sequoia insurance rates for additional coverage choices and driver risks.
- The best discount rate is $775
- Choosing higher $1,000 deductibles can save about $162 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,330
- Using low deductibles for comp and collision coverage costs an additional $316 a year
- High-risk insureds who are prone to accidents and violations could pay at least $2,876 or more
- Policy cost with full coverage for a teen driver can be $5,056 each year
Car insurance rates for a Toyota Sequoia also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $5,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $480 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Toyota Sequoia insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,900 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,204 | -$126 | -9.5% |
Alaska | $1,020 | -$310 | -23.3% |
Arizona | $1,104 | -$226 | -17.0% |
Arkansas | $1,330 | -$0 | 0.0% |
California | $1,518 | $188 | 14.1% |
Colorado | $1,272 | -$58 | -4.4% |
Connecticut | $1,368 | $38 | 2.9% |
Delaware | $1,508 | $178 | 13.4% |
Florida | $1,666 | $336 | 25.3% |
Georgia | $1,228 | -$102 | -7.7% |
Hawaii | $956 | -$374 | -28.1% |
Idaho | $898 | -$432 | -32.5% |
Illinois | $992 | -$338 | -25.4% |
Indiana | $1,002 | -$328 | -24.7% |
Iowa | $898 | -$432 | -32.5% |
Kansas | $1,264 | -$66 | -5.0% |
Kentucky | $1,816 | $486 | 36.5% |
Louisiana | $1,970 | $640 | 48.1% |
Maine | $822 | -$508 | -38.2% |
Maryland | $1,096 | -$234 | -17.6% |
Massachusetts | $1,064 | -$266 | -20.0% |
Michigan | $2,312 | $982 | 73.8% |
Minnesota | $1,114 | -$216 | -16.2% |
Mississippi | $1,594 | $264 | 19.8% |
Missouri | $1,180 | -$150 | -11.3% |
Montana | $1,430 | $100 | 7.5% |
Nebraska | $1,048 | -$282 | -21.2% |
Nevada | $1,596 | $266 | 20.0% |
New Hampshire | $958 | -$372 | -28.0% |
New Jersey | $1,488 | $158 | 11.9% |
New Mexico | $1,180 | -$150 | -11.3% |
New York | $1,402 | $72 | 5.4% |
North Carolina | $768 | -$562 | -42.3% |
North Dakota | $1,088 | -$242 | -18.2% |
Ohio | $918 | -$412 | -31.0% |
Oklahoma | $1,366 | $36 | 2.7% |
Oregon | $1,220 | -$110 | -8.3% |
Pennsylvania | $1,270 | -$60 | -4.5% |
Rhode Island | $1,776 | $446 | 33.5% |
South Carolina | $1,204 | -$126 | -9.5% |
South Dakota | $1,122 | -$208 | -15.6% |
Tennessee | $1,164 | -$166 | -12.5% |
Texas | $1,604 | $274 | 20.6% |
Utah | $986 | -$344 | -25.9% |
Vermont | $912 | -$418 | -31.4% |
Virginia | $798 | -$532 | -40.0% |
Washington | $1,028 | -$302 | -22.7% |
West Virginia | $1,220 | -$110 | -8.3% |
Wisconsin | $922 | -$408 | -30.7% |
Wyoming | $1,186 | -$144 | -10.8% |
Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Toyota Sequoia SR/5 2WD | $1,264 | $105 |
Toyota Sequoia SR/5 4WD | $1,298 | $108 |
Toyota Sequoia Limited 2WD | $1,330 | $111 |
Toyota Sequoia Limited 4WD | $1,364 | $114 |
Toyota Sequoia Platinum 2WD | $1,398 | $117 |
Toyota Sequoia Platinum 4WD | $1,398 | $117 |
Rates assume 2017 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2017 Toyota Sequoia | $270 | $446 | $456 | $1,330 |
2012 Toyota Sequoia | $210 | $300 | $474 | $1,142 |
2010 Toyota Sequoia | $192 | $248 | $474 | $1,072 |
2008 Toyota Sequoia | $174 | $202 | $468 | $1,002 |
2007 Toyota Sequoia | $172 | $198 | $460 | $988 |
2006 Toyota Sequoia | $168 | $188 | $452 | $966 |
2005 Toyota Sequoia | $154 | $180 | $446 | $938 |
2004 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
Finding cheaper rates on Toyota Sequoia insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a summary of the data covered in the above illustrations.
- Drivers who may need higher levels of liability will pay an extra $500 per year to raise limits from a 30/60 limit to higher 250/500 limits
- You may be able to save up to $160 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Teenage drivers are the costliest to insure, with premiums being up to $421 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,056 |
20 | $3,058 |
30 | $1,378 |
40 | $1,330 |
50 | $1,216 |
60 | $1,192 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,646 |
$250 | $1,500 |
$500 | $1,330 |
$1,000 | $1,168 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,330 |
50/100 | $1,489 |
100/300 | $1,603 |
250/500 | $1,900 |
100 CSL | $1,535 |
300 CSL | $1,786 |
500 CSL | $1,968 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,196 |
20 | $4,870 |
30 | $2,926 |
40 | $2,876 |
50 | $2,746 |
60 | $2,722 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $70 |
Multi-vehicle | $70 |
Homeowner | $21 |
5-yr Accident Free | $93 |
5-yr Claim Free | $86 |
Paid in Full/EFT | $57 |
Advance Quote | $64 |
Online Quote | $94 |
Total Discounts | $555 |
Discounts are estimated and may not be available from every company or in every state.
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