Toyota Sequoia Insurance Rates

The average insurance prices for a Toyota Sequoia are $1,464 every 12 months for full coverage. Comprehensive costs an estimated $346 a year, collision insurance costs $570, and liability coverage is estimated at $390. Liability-only insurance costs approximately $452 a year, and high-risk driver insurance costs around $3,152. Teens cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,464

Policy rates broken down by type of insurance:

Prices are based on $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above show why it is important to get quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Rate Details

The chart below shows average Toyota Sequoia insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $844
• Choosing higher $1,000 deductibles can save approximately $1,256 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,464
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,868
• Drivers with serious driving violations could pay up to $3,152
• Policy cost to insure a teenage driver can cost as much as $5,346 each year

View Chart as Image

Auto insurance rates for a Toyota Sequoia also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $620 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $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 could be paying $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than the average policy. View High Risk Driver Rates

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 $970 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,090 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Affordable Toyota Sequoia Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around at least once a year by getting quotes from direct carriers, and also from several local insurance agents.

The following is a brief review of the primary concepts that were raised in the charts and tables above.

• Drivers can save approximately $180 per year just by quoting early and online
• Drivers with DUI or reckless driving convictions pay on average $1,690 more annually for Sequoia insurance
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Teens are the costliest to insure, costing up to $446 each month if comprehensive and collision insurance is included