Toyota Sequoia Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Sequoia is more affordable to insure than the average SUV.

• Liability auto insurance for a Sequoia comes in at about $76 per month, while full coverage typically averages around $128.

• DirectGeneral is the most affordable insurance carrier for a Sequoia.

Sequoia Overview

With 2022 models starting at $53,725, the Toyota Sequoia is on the more expensive end of the spectrum. Drive off the dealership lot in style, with four different trim options available.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Toyota Sequoia auto insurance rates run about $141 monthly, on average. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Toyota Sequoia?

Looking at the table above, you can see that car insurance premiums for a Toyota Sequoia are below average. On average, Sequoia drivers can expect to pay around $128 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $76 monthly for liability only insurance (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Compared to other models, the Sequoia is less expensive, with prices about 21% lower than the other vehicle types offered by Toyota. Compared to SUV offerings from other brands, insurance for a Sequoia is also more affordable, with full coverage insurance premiums coming in around 16% less and 6% less for liability only insurance.

When compared to all vehicles, regardless of model, body style, or make, the Sequoia follows a similar pattern of having below average auto insurance rates.

Who has the Cheapest Car Insurance for a Toyota Sequoia?

Are you searching for a car insurance policy for your Toyota Sequoia? You're probably wondering which company offers the cheapest prices. Although prices can vary quite dramatically from person to person, the lowest average rates for liability only insurance are as cheap as $44 per month from Infinity. With car insurance as little as $47 a month, Commonwealth Casualty is the next cheapest car insurance carrier.

But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Auto insurance companies take a wide array of factors into consideration when offering you rates. By pulling quotes from a multitude of insurance carriers at once, you can be confident you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Toyota Sequoia?

There are a lot of variables that auto insurance companies consider to calculate how much to charge you -- and every company weighs certain pieces more than others, so there's not one single carrier that's the most affordable for each Sequoia owner.

Keep reading to learn which things insurance carriers look at and how they affect your final rate:

Vehicle Age

Toyota has been making the Sequoia for quite some time -- and that means the car's age may make a difference in how much you'll pay for car insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.

Based on the information in the above table, the Toyota Sequoia is an outlier, as the most expensive models to insure are those that are 15 years old or more, while the cheapest Sequoias are 4 to 5 years old, on average.

Your Age

Age makes a big difference in how much auto insurance companies will charge you for a policy. As you can see above, drivers with more experience on the road pay less than teenage Sequoia drivers. Toyota Sequoia drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to go down as you get older, with drivers aged 65 years and older making up the cheapest age group for the Sequoia.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to charge women less than men. When it comes to Sequoia drivers specifically, women pay about $8 less than men per month for car insurance.

Where You Live

It may be obvious that variables such as what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live can be just as important? Insurance is regulated on the state level rather than nationally, so premiums can change quite a bit from state to state.

For example, the average Toyota Sequoia driver from New York pays around $167 monthly for liability coverage. Meanwhile, on average, the same owner from California will pay less than 50% of that price. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change between states.

Toyota Sequoia Car Insurance Discounts

Whatever what state you call home, which car you drive, or how old you are, it's always important to take advantage of as many car insurance discounts as possible when shopping around for a policy.

Not every auto insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings

These discounts are great, but sometimes the best way to save is just by having a profile that looks good to insurance companies.

Of course, you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), but you can influence some of it. Below are just a few of the ones you can use in your favor when it comes to cost savings:

Your Driving Record

You've probably noticed ads from car insurance carriers promoting large discounts for responsible drivers. It should be no surprise that if you get tickets or get into a collision, insurance prices will go higher. But you still might be left wondering exactly how much these infractions will cost you.

If you look at the table above, you'll see that accidents will usually cost Sequoia drivers more than tickets, but both will cause a significant increase in rates. Toyota Sequoia drivers with one ticket will pay an average of $77 per month, while drivers with a single accident on their record pay about $98 every month (up $22 from the $76/mo. overall average). The rates only get higher the more tickets you get or collisions you have.

How Much You Drive

Another variable you have control over is the amount of miles you drive. Those who drive less have fewer opportunities to get into an accident, so they'll normally end up spending less on car insurance. Based on the table above, you can see that Toyota Sequoia owners who drive 10,000 miles or more pay $75 for insurance, while those who drive fewer than 2,500 miles per year pay about $69 a month.

But if you don't use your Toyota Sequoia to travel or commute regularly, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Toyota Sequoias Compare to Other Vehicles?

If you're considering purchasing a Toyota Sequoia, you might want to know how it compares to other cars. Auto insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering carefully.

Review the table below to see how the Toyota Sequoia compares:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Toyota Sequoia is on the more expensive side when it comes to price. The Sequoia goes for $53,725, a bit higher than the national average vehicle price of $42,283.

Full coverage insurance for a Toyota Sequoia is about $111 a month cheaper than average, while liability only coverage is monthly.

When it comes to usage, Toyota Sequoia drivers are pretty close to the national average in annual miles driven, with 12,033 miles each year compared to 11,660 for all vehicles.

Toyota Sequoia Car Insurance Costs by Model Year

You've seen how different things can affect how much the average driver pays to insure a Toyota Sequoia. If you're in the market for a new car, truck, or SUV and the Sequoia is on your wishlist, having a good idea of exactly how much you'll pay can be extremely valuable as you weigh your options.

So we've crunched the numbers and broken down Toyota Sequoia insurance rates by model year. Choose a specific Sequoia model year in the dropdown below and see average rates for both full coverage and liability only insurance. You'll also find some other helpful info, like which trim levels are offered, who offers the cheapest policies, and the base MSRP for each Sequoia model year.

2018 Toyota Sequoia Car Insurance

The average cost to insure a 2018 Sequoia with liability only coverage is $75 a month, while full coverage runs around $160 per month.

Looking for the most affordable policy? Infinity offered liability only coverage for as low as $44 monthly.

If you want to find the best prices for auto insurance for a 2018 Toyota Sequoia, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2016 Toyota Sequoia Car Insurance

It costs about $65 per month for liability or $137 for a full coverage policy for the 2016 Toyota Sequoia.

We found MetLife offered the lowest policy, with rates sometimes as little as $17 monthly.

If you want to find the best rates for car insurance for a 2016 Toyota Sequoia, enter your ZIP code below and compare lots of personalized quotes in just a few minutes.

2015 Toyota Sequoia Car Insurance

2015 Sequoia drivers can expect to pay an average of $37 a month for liability or $113 for full coverage.

With premiums as cheap as just $37 monthly, MetLife offered the cheapest policy we found for the 2015 Toyota Sequoia.

Want to know just how much you'll pay? Just enter your ZIP code below to get lots of free customized quotes.

2014 Toyota Sequoia Car Insurance

You can expect full coverage for a 2014 Toyota Sequoia to run around $136 a month, while liability only coverage will average about $61 per month.

Sun Coast has rates sometimes as low as $30 a month for the 2014 Toyota Sequoia.

These average prices are a great starting point if you're in the market for a 2014 Toyota Sequoia, but there are several different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2013 Toyota Sequoia Car Insurance

On average, drivers who own a 2013 Sequoia can expect to pay $67 to $123 monthly for liability only and full coverage auto insurance, respectively.

Safeco offered the lowest policy we found, with rates as little as just $67 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2012 Toyota Sequoia Car Insurance

It costs around $100 monthly for liability or $133 for a full coverage policy for the 2012 Toyota Sequoia.

If you're looking for the cheapest possible 2012 Toyota Sequoia insurance policy, Gainsco offered the most affordable policy we found, with rates sometimes as cheap as $47 a month.

Interested in what your insurance price will be? Enter your ZIP code below to get multiple free customized quotes.

2011 Toyota Sequoia Car Insurance

On average, drivers who own a 2011 Sequoia can expect to pay $72 to $95 per month for liability only and full coverage car insurance, respectively.

With premiums as low as just $34 a month, MetLife offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your Sequoia, get free quotes in minutes by just entering your ZIP code below.

2010 Toyota Sequoia Car Insurance

The average cost to insure a 2010 Toyota Sequoia with liability only coverage is $97 monthly, while full coverage runs about $164 per month.

If you're looking for the most affordable 2010 Toyota Sequoia insurance policy, MetLife offered the lowest policy we found, with rates as cheap as $23 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2010 Toyota Sequoia, you can get free quotes in minutes by just entering your ZIP code below.

Toyota Sequoia Insurance FAQs

Is a Toyota Sequoia expensive to insure?

Liability insurance runs an average of $76 per month, while full coverage will cost you around $128. It costs less to insure a Toyota Sequoia when compared to the average vehicle.

How can I get the best price on car insurance for my Toyota Sequoia?

The only way to ensure you're getting the cheapest price on auto insurance is to regularly shop around and compare quotes from several companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from an array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota Sequoia affect my insurance rates?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's actually a myth. There are a variety of things car insurance companies consider when they decide your auto insurance premium, but the color of your Sequoia isn't one of them.

Do I need to have insurance before I buy a Toyota Sequoia?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an SUV is to talk with your car insurance carrier ahead of time.

What car insurance discounts can I get for my Toyota Sequoia?

There are a variety of discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Toyota Sequoia and more on you, but if your Sequoia has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to reach out to your insurance company and ask about their discounts.