Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,446 a year for full coverage. Comprehensive insurance costs around $320, collision insurance costs $552, and liability coverage costs $416. Liability-only coverage costs as little as $474 a year, and high-risk coverage costs $3,126 or more. Teen drivers cost the most to insure at up to $5,362 a year.

Average premium for full coverage: $1,446

Policy rates for type of insurance:

Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Sequoia trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $834
• Drivers who choose higher $1,000 deductibles will pay about $196 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,446
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $386 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,126
• Policy cost for full coverage for a teenage driver with full coverage can be $5,362 a year

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on your risk profile, the trim level of your Sequoia, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Toyota Sequoia insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,070 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $590 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance can cost around 43% to 131% more than average. View High Risk Driver Rates

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 auto insurance not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a recap of the information covered above.

• Drivers can save up to $170 per year just by shopping early and online
• Teen drivers are charged the highest rates, costing up to $447 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers that have major violations or accidents may be required to pay an average of $1,680 more every year to insure their Sequoia
• Consumers who may need more liability coverage will pay about $460 each year to go from a 30/60 limit to 250/500 limits