Toyota Sequoia Insurance Rates

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Cheapest 2004 Toyota Sequoia Insurance Rates in 2025

Want cheaper car insurance rates for your Toyota Sequoia? Trying to find cheaper insurance for a Toyota Sequoia can be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to compare car insurance rates and you need to know the best way to quote coverages for a Toyota and obtain the cheapest rates from both online companies and local agents. The quicke...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Jun 5, 2023

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U.S. average insurance rates for a Toyota Sequoia are $1,454 a year for full coverage insurance. Comprehensive costs around $332, collision costs $566, and liability insurance is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing around $3,136. 16-year-old drivers pay the highest rates at $5,348 a year or more.

Average premium for full coverage: $1,454

Price estimates for individual coverage:

Comprehensive $332
Collision $566
Liability $398

Includes $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Sequoia models.

Price Range from Low to High

For the normal driver, Toyota Sequoia insurance prices go from the low end price of $460 for just liability coverage to the much higher price of $3,136 for a high-risk insurance policy.

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

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities.

The example below illustrates how geographic area affects auto insurance rates.

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

The ranges above illustrate why everyone should get quotes for a specific zip code, rather than relying on 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 illustrates estimated Toyota Sequoia insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $836
  • Choosing higher $1,000 deductibles can save about $204 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,454
  • Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,848
  • High-risk insureds with multiple tickets or accidents could pay at least $3,136 or more
  • The price that insures a teen driver for full coverage can be $5,348 each year

View Chart as Image

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

Insurance prices for a Toyota Sequoia are also quite variable based on the model of your Sequoia, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,700 to $2,300 additional each year, depending on your age. Toyota Sequoia insurance for high-risk drivers ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age

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 $950 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,970 on average in Michigan, New York, and Florida.

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 can save as much as $600 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, 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 $1,368 $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 the Cheapest Toyota Sequoia Insurance

Getting lower rates on Toyota Sequoia insurance takes having a good driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop at least every other year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a recap of the car insurance concepts presented in the illustrations above.

  • High-risk drivers that have major violations or accidents could be forced to pay on average $1,680 more every year to buy Toyota Sequoia insurance
  • It is possible to save up to $180 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $600 each year
  • Drivers who may need increased levels of liability coverage will pay around $440 annually to raise limits from a low limit to the 250/500 level

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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