Toyota Sequoia Insurance Rates

U.S. average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage. Comprehensive insurance costs on average $320 a year, collision costs $552, and liability costs around $416. Liability-only insurance costs as low as $474 a year, with high-risk driver insurance costing $3,126 or more. Teenage drivers pay the highest rates at $5,362 a year or more.

Average premium for full coverage: $1,446

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Sequoia trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above show why it is important to compare prices based on a specific location and risk profile, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $834
• Using higher $1,000 deductibles will save around $1,250 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,446
• Using low $100 deductibles for physical damage coverage will cost an extra $386 every year
• Drivers who are prone to accidents and violations could pay upwards of $3,126 or more
• The price for full coverage for a teen driver may cost $5,362 or more

View Chart as Image

Car insurance prices for a Toyota Sequoia are also quite variable based on your driving record, the trim level of your Sequoia, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see prices as low as $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,070 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $590 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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 Affordable Toyota Sequoia Insurance

Getting lower rates on car insurance requires being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every couple of years by requesting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The items below are a brief review of the material that was covered in the above illustrations.

• Policyholders who require more liability coverage will pay an extra $460 each year to increase from a low limit to 250/500 limits
• Teen drivers are expensive to insure, with premiums as much as $447 a month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions will pay on average $1,680 more each year to insure their Sequoia
• Increasing physical damage deductibles can save around $575 each year