Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,464 a year including full coverage. Comprehensive costs on average $346 a year, collision costs $570, and liability insurance is estimated at $390. Liability-only insurance costs approximately $452 a year, with high-risk driver insurance costing around $3,152. 16-year-old drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,464

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how where you live affects car insurance rates.

The examples above highlight why it is important to get quotes based on a specific location, rather than relying on rate averages.

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

Additional Rate Information

The chart below breaks down estimated Toyota Sequoia insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $844
• Choosing higher $1,000 deductibles can save around $1,256 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,464
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,868
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,152 or more
• Policy cost that insures a teen driver may cost $5,346 each year

View Chart as Image

Auto insurance rates for a Toyota Sequoia also range considerably based on the trim level of your Sequoia, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age

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 $1,120 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,090 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $620 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted 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 Find the Cheapest Toyota Sequoia Insurance

Finding cheaper rates on Toyota Sequoia insurance takes avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop every year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The list below is a recap of the coverage data touched on in the above illustrations.

• You may be able to save as much as $180 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Teenagers are charged the highest rates, with premiums being up to $446 each month if the policy includes full coverage
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,690 more each year for car insurance