Toyota Sequoia Insurance Rates

U.S. average insurance prices for a Toyota Sequoia are $1,446 every 12 months for full coverage. Comprehensive costs around $320 each year, collision costs $552, and liability insurance is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing around $3,126. Teenage drivers pay the highest rates at $5,362 a year or more.

Average premium for full coverage: $1,446

Price estimates for individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Sequoia models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance rates.

The ranges above show why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows estimated Toyota Sequoia insurance rates for additional coverage choices and driver risks.

• The best discount rate is $834
• Raising to $1,000 deductibles will save about $196 a year
• The average price for the average middle-age driver using $500 deductibles is $1,446
• Using low deductibles increases the price to $1,832
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,126 or more
• The price to insure a teen driver can be $5,362

View Chart as Image

Insurance prices for a Toyota Sequoia are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles can reduce prices by up to $590 each year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Toyota Sequoia insurance rates. A middle-age driver might find 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

Since prices can be so different, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices may be quite different.

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 Cheap Toyota Sequoia Insurance

Getting lower rates on Toyota Sequoia insurance consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief summary of the material that was touched on in the above illustrations.

• Drivers who may need an increased level of liability coverage will pay an extra $460 each year to raise from a low limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest prices, with premiums as much as $447 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,680 more every year than a safer driver
• Increasing physical damage deductibles could save as much as $575 each year