Toyota Sequoia Insurance Rates

The average insurance rates for a Toyota Sequoia are $1,454 a year with full coverage. Comprehensive costs an estimated $332 each year, collision costs $566, and liability costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing around $3,136. Teenage drivers cost the most to insure at $5,348 a year or more.

Average premium for full coverage: $1,454

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Sequoia models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $836
• Using higher $1,000 deductibles will save approximately $204 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,454
• Using low deductibles for physical damage coverage bumps up the cost to $1,848
• Drivers who are prone to accidents and violations could pay up to $3,136 or more
• Policy cost that insures a teen driver can cost as much as $5,348 or more

View Chart as Image

Insurance rates for a Toyota Sequoia also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age

Your home state has a huge impact on Toyota Sequoia insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, so the rates will be varied.

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 car insurance requires being safe and accident-free, having above-average credit, not filing small claims, and taking advantage of discounts. Compare prices at every other renewal by requesting rates from direct companies, and also from insurance agencies where you live.

Below you'll find a recap of the concepts that were covered above.

• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,680 more annually than a low-risk driver
• Youthful drivers are charged the highest rates, as much as $446 each month if full coverage is included
• You may be able to save approximately $180 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• You may be able to save approximately $180 per year simply by quoting online in advance