Toyota Sequoia Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated insurance rates for a Toyota Sequoia are $1,330 a year including full coverage. Comprehensive insurance costs around $270, collision costs $446, and liability costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing $2,876 or more. Teens pay the most at $5,056 a year or more.
Average premium for full coverage: $1,330
Premium estimates for type of coverage:
Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Sequoia trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota Sequoia go from as low as $508 for just liability insurance to a much higher rate of $2,876 for high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how your location can change auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.
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 cheapest rate after discounts is $775
- Using higher $1,000 deductibles will save about $162 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,330
- Selecting more expensive low deductibles for physical damage coverage will cost an extra $316 annually
- High-risk insureds with serious driving violations could pay at least $2,876 or more
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $5,056 or more
Auto insurance prices for a Toyota Sequoia also have a wide range based on your driving characteristics, the model of your Sequoia, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age
Where you choose to live has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see prices as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,600 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can be from 44% to 134% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out your exact price is to compare prices from multiple companies. Each insurance company calculates prices differently, and quoted prices will be substantially different from one company to the next.
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 Find Cheaper Toyota Sequoia Insurance
Finding better rates on insurance for a Toyota Sequoia requires being a low-risk driver, having good credit, refrain from filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a condensed summary of the material that was illustrated above.
- Insureds who may need more liability coverage will pay approximately $500 per year to increase from 30/60 bodily injury limits to 250/500 limits
- Teen drivers are expensive to insure, with the cost nearing $421 per month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,550 more every year to insure their Sequoia
- Increasing policy deductibles can save around $475 each year
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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