Toyota Sequoia Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 27, 2024
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U.S. average insurance prices for a Toyota Sequoia are $1,454 every 12 months including full coverage. Comprehensive costs around $332, collision insurance costs $566, and liability coverage is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs around $3,136. Teenage drivers pay the highest rates at up to $5,348 a year.
Average premium for full coverage: $1,454
Price estimates for individual coverage:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Sequoia models.
Price Range from Low to High
For the normal driver, Toyota Sequoia insurance prices range from the cheapest price of $460 for liability-only coverage to the much higher price of $3,136 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.
The ranges above highlight why everyone should get quotes for a specific zip code and their own driving history, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below breaks down average Toyota Sequoia insurance rates for additional coverage choices and driver risks.
- The best discount rate is $836
- Choosing higher $1,000 deductibles can save about $204 every year
- The average price for the average middle-age driver using $500 deductibles is $1,454
- Using pricier low deductibles for comp and collision coverage increases the price to $1,848
- Drivers who are prone to accidents and violations could pay at least $3,136
- The price to insure a teenage driver for full coverage can be $5,348 each year
Auto insurance prices for a Toyota Sequoia are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can save as much as $600 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have 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 are likely paying at least $1,700 to $2,300 in extra premium each year, depending on your age. Toyota Sequoia insurance for high-risk drivers ranges around 43% to 131% more than a normal policy. View High Risk Driver Rates
The state you live in 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 be forced to pay as much as $2,080 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$138 | -9.5% |
| Alaska | $1,116 | -$338 | -23.2% |
| Arizona | $1,208 | -$246 | -16.9% |
| Arkansas | $1,454 | -$0 | 0.0% |
| California | $1,658 | $204 | 14.0% |
| Colorado | $1,388 | -$66 | -4.5% |
| Connecticut | $1,496 | $42 | 2.9% |
| Delaware | $1,646 | $192 | 13.2% |
| Florida | $1,820 | $366 | 25.2% |
| Georgia | $1,344 | -$110 | -7.6% |
| Hawaii | $1,044 | -$410 | -28.2% |
| Idaho | $984 | -$470 | -32.3% |
| Illinois | $1,086 | -$368 | -25.3% |
| Indiana | $1,096 | -$358 | -24.6% |
| Iowa | $982 | -$472 | -32.5% |
| Kansas | $1,384 | -$70 | -4.8% |
| Kentucky | $1,984 | $530 | 36.5% |
| Louisiana | $2,154 | $700 | 48.1% |
| Maine | $898 | -$556 | -38.2% |
| Maryland | $1,200 | -$254 | -17.5% |
| Massachusetts | $1,164 | -$290 | -19.9% |
| Michigan | $2,528 | $1,074 | 73.9% |
| Minnesota | $1,218 | -$236 | -16.2% |
| Mississippi | $1,744 | $290 | 19.9% |
| Missouri | $1,290 | -$164 | -11.3% |
| Montana | $1,562 | $108 | 7.4% |
| Nebraska | $1,148 | -$306 | -21.0% |
| Nevada | $1,746 | $292 | 20.1% |
| New Hampshire | $1,050 | -$404 | -27.8% |
| New Jersey | $1,626 | $172 | 11.8% |
| New Mexico | $1,290 | -$164 | -11.3% |
| New York | $1,534 | $80 | 5.5% |
| North Carolina | $838 | -$616 | -42.4% |
| North Dakota | $1,192 | -$262 | -18.0% |
| Ohio | $1,004 | -$450 | -30.9% |
| Oklahoma | $1,496 | $42 | 2.9% |
| Oregon | $1,332 | -$122 | -8.4% |
| Pennsylvania | $1,388 | -$66 | -4.5% |
| Rhode Island | $1,942 | $488 | 33.6% |
| South Carolina | $1,318 | -$136 | -9.4% |
| South Dakota | $1,228 | -$226 | -15.5% |
| Tennessee | $1,274 | -$180 | -12.4% |
| Texas | $1,754 | $300 | 20.6% |
| Utah | $1,078 | -$376 | -25.9% |
| Vermont | $996 | -$458 | -31.5% |
| Virginia | $870 | -$584 | -40.2% |
| Washington | $1,126 | -$328 | -22.6% |
| West Virginia | $1,334 | -$120 | -8.3% |
| Wisconsin | $1,008 | -$446 | -30.7% |
| Wyoming | $1,296 | -$158 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Sequoia SR/5 2WD | $1,368 | $114 |
| Toyota Sequoia SR/5 4WD | $1,412 | $118 |
| Toyota Sequoia Limited 2WD | $1,454 | $121 |
| Toyota Sequoia Limited 4WD | $1,496 | $125 |
| Toyota Sequoia Platinum 2WD | $1,538 | $128 |
| Toyota Sequoia Platinum 4WD | $1,538 | $128 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Sequoia | $346 | $570 | $390 | $1,464 |
| 2023 Toyota Sequoia | $332 | $566 | $398 | $1,454 |
| 2022 Toyota Sequoia | $320 | $552 | $416 | $1,446 |
| 2021 Toyota Sequoia | $310 | $530 | $430 | $1,428 |
| 2020 Toyota Sequoia | $292 | $512 | $442 | $1,404 |
| 2019 Toyota Sequoia | $282 | $474 | $452 | $1,366 |
| 2018 Toyota Sequoia | $270 | $446 | $456 | $1,330 |
| 2017 Toyota Sequoia | $258 | $400 | $460 | $1,276 |
| 2016 Toyota Sequoia | $242 | $368 | $460 | $1,228 |
| 2012 Toyota Sequoia | $206 | $272 | $478 | $1,114 |
| 2010 Toyota Sequoia | $180 | $226 | $474 | $1,038 |
| 2008 Toyota Sequoia | $172 | $198 | $460 | $988 |
| 2007 Toyota Sequoia | $168 | $188 | $452 | $966 |
| 2006 Toyota Sequoia | $154 | $180 | $446 | $938 |
| 2005 Toyota Sequoia | $150 | $170 | $442 | $920 |
Rates are averaged for all Toyota Sequoia models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Toyota Sequoia Insurance
Getting lower rates on auto insurance takes being safe and accident-free, having a good credit score, being claim-free, and possibly raising deductibles. Invest the time to compare rates at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a brief recap of the primary concepts that were presented in the illustrations above.
- You may be able to save up to $180 per year just by quoting online well ahead of the renewal date
- Drivers who tend to receive serious violations could be forced to pay on average $1,680 more every year than a low-risk driver
- Increasing physical damage deductibles could save as much as $600 each year
- Youthful drivers are expensive to insure, possibly costing $446 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,348 |
| 20 | $3,342 |
| 30 | $1,522 |
| 40 | $1,454 |
| 50 | $1,328 |
| 60 | $1,302 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,848 |
| $250 | $1,666 |
| $500 | $1,454 |
| $1,000 | $1,250 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,454 |
| 50/100 | $1,618 |
| 100/300 | $1,717 |
| 250/500 | $1,976 |
| 100 CSL | $1,657 |
| 300 CSL | $1,876 |
| 500 CSL | $2,036 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,638 |
| 20 | $5,310 |
| 30 | $3,212 |
| 40 | $3,136 |
| 50 | $2,992 |
| 60 | $2,966 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $78 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $67 |
| Advance Quote | $72 |
| Online Quote | $104 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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