Toyota Sequoia Insurance Rates

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UPDATED: Jun 5, 2023

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Average insurance rates for a Toyota Sequoia are $1,454 a year including full coverage. Comprehensive insurance costs on average $332 a year, collision costs $566, and liability coverage costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing $3,136 or more. 16-year-old drivers receive the highest rates at $5,348 a year or more.

Average premium for full coverage: $1,454

Rate estimates by individual coverage type:

Comprehensive $332
Collision $566
Liability $398

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Sequoia trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $460 for just liability coverage to a high of $3,136 for a driver required to buy high-risk insurance.

Liability Only $460
Full Coverage $1,454
High Risk $3,136

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

These examples highlight why it is important to compare prices based on a specific location and risk profile, rather than using rate averages.

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.

Detailed Rate Analysis

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

  • The best full coverage rate is $836
  • Using higher $1,000 deductibles will save around $1,250 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,454
  • Buying low $100 deductibles for physical damage coverage will cost an extra $394 each year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,136 or more
  • The cost for full coverage for a teenage driver may cost $5,348 or more

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing full coverage Toyota Sequoia insurance prices range from $836 to $5,348

Car insurance rates for a Toyota Sequoia can also vary considerably based on your driver profile, the model of your Sequoia, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may only pay around $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $5,300 a year. View Rates by Age

Where you live has a huge impact on Toyota Sequoia insurance rates. A driver around age 40 might see rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,080 on average in Michigan, New York, and Louisiana.

Toyota Sequoia Insurance Rates by State
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%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $600 a year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.

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 $1,368 $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.

Toyota Sequoia Insurance Rates by Model Year
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 Find More Affordable Toyota Sequoia Insurance

Saving money on auto insurance requires being a low-risk driver, having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a summary of the data touched on in the above illustrations.

  • Consumers who require more liability coverage will pay around $440 per year to increase from a minimum limit to 250/500 limits
  • You may be able to save as much as $180 per year simply by quoting early and online
  • Increasing deductibles can save around $600 each year
  • Teen drivers are expensive to insure, as much as $446 per month if full coverage is included

Rates by Driver Age

Toyota Sequoia Insurance 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

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,848
$250 $1,666
$500 $1,454
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
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

Toyota Sequoia Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $836

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

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