Toyota Sequoia Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 9, 2019

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U.S. average insurance prices for a Toyota Sequoia are $1,366 every 12 months including full coverage. Comprehensive insurance costs an estimated $282, collision costs $474, and liability coverage costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing $2,952 or more. Teens pay the highest rates at $5,160 a year or more.

Average premium for full coverage: $1,366

Price estimates broken down by individual coverage:

Comprehensive $282
Collision $474
Liability $452

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Sequoia trim levels.

Price Range from Low to High

For a 40-year-old driver, Toyota Sequoia insurance prices go from the cheapest price of $504 for basic liability insurance to a much higher rate of $2,952 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $1,366
High Risk $2,952

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change insurance prices.

Rural Areas $1,025
Small Cities $1,434
Large Cities $1,844

The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using averaged prices.

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.

Rate Comparisons

The chart below breaks down estimated Toyota Sequoia insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $793
  • Using higher $1,000 deductibles will save approximately $172 every year
  • The average price for the average middle-age driver who has $500 deductibles is $1,366
  • Selecting more expensive low deductibles for physical damage coverage costs an extra $332 each year
  • Higher-risk drivers with serious driving violations could pay up to $2,952 or more
  • The price to insure a teenage driver with full coverage can cost as much as $5,160 or more

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing full coverage Toyota Sequoia insurance prices range from $793 to $5,160

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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can be around 43% to 131% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Toyota Sequoia insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,950 on average in Louisiana, New York, and Michigan.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,234 -$132 -9.7%
Alaska $1,048 -$318 -23.3%
Arizona $1,134 -$232 -17.0%
Arkansas $1,366 -$0 0.0%
California $1,554 $188 13.8%
Colorado $1,302 -$64 -4.7%
Connecticut $1,404 $38 2.8%
Delaware $1,544 $178 13.0%
Florida $1,708 $342 25.0%
Georgia $1,260 -$106 -7.8%
Hawaii $980 -$386 -28.3%
Idaho $924 -$442 -32.4%
Illinois $1,018 -$348 -25.5%
Indiana $1,028 -$338 -24.7%
Iowa $920 -$446 -32.7%
Kansas $1,296 -$70 -5.1%
Kentucky $1,862 $496 36.3%
Louisiana $2,020 $654 47.9%
Maine $842 -$524 -38.4%
Maryland $1,126 -$240 -17.6%
Massachusetts $1,092 -$274 -20.1%
Michigan $2,372 $1,006 73.6%
Minnesota $1,144 -$222 -16.3%
Mississippi $1,634 $268 19.6%
Missouri $1,212 -$154 -11.3%
Montana $1,466 $100 7.3%
Nebraska $1,078 -$288 -21.1%
Nevada $1,638 $272 19.9%
New Hampshire $984 -$382 -28.0%
New Jersey $1,526 $160 11.7%
New Mexico $1,210 -$156 -11.4%
New York $1,438 $72 5.3%
North Carolina $786 -$580 -42.5%
North Dakota $1,118 -$248 -18.2%
Ohio $944 -$422 -30.9%
Oklahoma $1,400 $34 2.5%
Oregon $1,250 -$116 -8.5%
Pennsylvania $1,302 -$64 -4.7%
Rhode Island $1,820 $454 33.2%
South Carolina $1,236 -$130 -9.5%
South Dakota $1,152 -$214 -15.7%
Tennessee $1,196 -$170 -12.4%
Texas $1,646 $280 20.5%
Utah $1,010 -$356 -26.1%
Vermont $934 -$432 -31.6%
Virginia $816 -$550 -40.3%
Washington $1,056 -$310 -22.7%
West Virginia $1,250 -$116 -8.5%
Wisconsin $944 -$422 -30.9%
Wyoming $1,216 -$150 -11.0%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company calculates prices differently, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Toyota Sequoia Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Sequoia SR/5 2WD $1,294 $108
Toyota Sequoia SR/5 4WD $1,330 $111
Toyota Sequoia Limited 2WD $1,366 $114
Toyota Sequoia Limited 4WD $1,402 $117
Toyota Sequoia Platinum 2WD $1,436 $120
Toyota Sequoia Platinum 4WD $1,436 $120

Rates assume 2017 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.

Toyota Sequoia Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Toyota Sequoia $282 $474 $452 $1,366
2012 Toyota Sequoia $228 $322 $474 $1,182
2010 Toyota Sequoia $206 $272 $478 $1,114
2008 Toyota Sequoia $180 $226 $474 $1,038
2007 Toyota Sequoia $174 $202 $468 $1,002
2006 Toyota Sequoia $172 $198 $460 $988
2005 Toyota Sequoia $168 $188 $452 $966
2004 Toyota Sequoia $154 $180 $446 $938
2003 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 Affordable Toyota Sequoia Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a brief review of the concepts that were illustrated above.

  • Drivers with DUI or reckless driving convictions may have to pay on average $1,590 more annually to insure their Sequoia
  • Teen drivers are expensive to insure, possibly costing $430 a month if full coverage is included
  • You may be able to save approximately $160 per year simply by shopping early and online
  • Increasing physical damage deductibles could save as much as $500 each year
  • You may be able to save approximately $160 per year simply by shopping early and online

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,160
20 $3,140
30 $1,416
40 $1,366
50 $1,246
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,698
$250 $1,544
$500 $1,366
$1,000 $1,194

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,366
50/100 $1,526
100/300 $1,639
250/500 $1,933
100 CSL $1,572
300 CSL $1,820
500 CSL $2,001

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,350
20 $5,000
30 $3,008
40 $2,952
50 $2,818
60 $2,792

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.

SR-22 Surcharge $189

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $88
Paid in Full/EFT $60
Advance Quote $66
Online Quote $97
Total Discounts $573
Rate after discounts $793

Discounts are estimated and may not be available from every company or in every state.

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