Toyota Sequoia Insurance Cost
Full coverage for a Toyota Sequoia costs about $1,515 a year ($126/month) by our estimate — ▼ −5% versus the average vehicle, ranking 101st cheapest of 310 current models.
Toyota Sequoia insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Toyota Sequoia.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $510 | $42 | $415–$600 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $740 | $61 | $605–$870 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,515 | $126 | $1,240–$1,785 |
What drives the cost of insuring a Toyota Sequoia
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota Sequoia's results put our vehicle factor at 0.83× for liability, 1.05× for collision and 1.37× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 104 | Average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 141 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 71 | Much better than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 72 | Much better than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 77 | Much better than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 70 | Much better than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (2)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Toyota Sequoia hybrid 4dr 4WD | 104 | 141 | 71 | 72 |
| Toyota Sequoia hybrid 4dr | 81 | — | — | — |
- Repair and parts costs: Large SUV — mainstream parts availability keeps repairs moderate.
- Recalls & complaints: 6 NHTSA recall campaigns and 56 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Toyota Sequoia trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Sequoia 2WD | RWD | 3.4L 6-cyl Turbo Hybrid | 22 |
| Sequoia 4WD | 4WD | 3.4L 6-cyl Turbo Hybrid | 20 |
Toyota Sequoia insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2026 | 3.4L 6-cyl Turbo Hybrid | 4WD, RWD | 20–22 | $1,515 |
| 2025 | 3.4L 6-cyl Turbo Hybrid | 4WD, RWD | 20–22 | $1,475 |
| 2024 | 3.4L 6-cyl Turbo Hybrid | 4WD, RWD | 20–22 | $1,440 |
| 2023 | 3.4L 6-cyl Turbo Hybrid | 4WD, RWD | 20–22 | $1,405 |
| 2022 | 5.7L 8-cyl | 4WD, RWD | 14–15 | $1,365 |
| 2021 | 5.7L 8-cyl | 4WD, RWD | 14–15 | $1,330 |
| 2020 | 5.7L 8-cyl | 4WD, RWD | 14–15 | $1,295 |
| 2019 | 5.7L 8-cyl | 4WD, RWD | 14–15 | $1,260 |
| 2018 | 5.7L 8-cyl | 4WD, RWD | 14–15 | $1,220 |
| 2017 | 5.7L 8-cyl | 4WD, RWD | 14–15 | $1,185 |
| 2016 | 5.7L 8-cyl | 4WD, RWD | 14–15 | $1,150 |
| 2015 | 5.7L 8-cyl | 4WD, RWD | 14–15 | $1,145 |
| 2014 | 5.7L 8-cyl | 4WD, RWD | 14–15 | $1,145 |
| 2013 | 5.7L 8-cyl | 4WD, RWD | 14–15 | $1,145 |
| 2012 | 4.6L 8-cyl, 5.7L 8-cyl | 4WD, RWD | 14–16 | $1,145 |
| 2011 | 4.6L 8-cyl, 5.7L 8-cyl | 4WD, RWD | 14–16 | $1,145 |
| 2010 | 4.6L 8-cyl, 5.7L 8-cyl | 4WD, RWD | 14–16 | $1,145 |
| 2009 | 4.7L 8-cyl, 5.7L 8-cyl | 4WD/AWD, RWD | 14–15 | $1,145 |
| 2008 | 4.7L 8-cyl, 5.7L 8-cyl | 4WD/AWD, RWD | 14–15 | $1,145 |
| 2007 | 4.7L 8-cyl | 4WD/AWD, RWD | 15 | $1,145 |
Toyota Sequoia insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Sequoia page for that state.
Toyota Sequoia insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,400 | $2,030 | $4,160 | $347 |
| Young adult (22) | $815 | $1,180 | $2,420 | $202 |
| Adult in their 30s | $510 | $740 | $1,515 | $126 |
| Adult in their 50s | $470 | $680 | $1,390 | $116 |
| Senior (72) | $570 | $825 | $1,695 | $141 |
| 30s, one at-fault accident | $740 | $1,070 | $2,195 | $183 |
| 30s, DUI on record | $940 | $1,365 | $2,800 | $233 |
Toyota Sequoia vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Toyota Sequoia | $1,515 | 104 | 141 | — |
| Ford Expedition | $1,370 | 92 | 97 | Compare |
| Tesla Model X | $2,105 | 218 | 157 | Compare |
| Dodge Durango | $1,770 | 107 | 142 | Compare |
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Other Toyota models
- bZ $1,545/yr
- C-HR $1,480/yr
- Corolla $1,705/yr
- GR86 $2,095/yr
- Land Cruiser $1,290/yr
- Prius $1,595/yr
- 4Runner $1,295/yr
- Camry $1,735/yr
- Corolla Cross $1,430/yr
- Crown $1,670/yr
- Crown Signia $1,505/yr
- GR Supra $1,920/yr
- Grand Highlander $1,305/yr
- Highlander $1,410/yr
- Mirai $2,450/yr
- RAV4 $1,285/yr
- Sienna $1,590/yr
- Tacoma $1,375/yr
- Tundra $1,515/yr
- bZ4X $1,420/yr
- Venza $1,455/yr
- Avalon $1,440/yr
- Prius c $1,365/yr
- Yaris $1,340/yr
- Prius v $1,225/yr
- FJ Cruiser $1,165/yr
- Matrix $1,245/yr
- Camry Solara $1,245/yr
- Celica $1,445/yr
- Echo $1,245/yr
Frequently asked questions
How much is insurance for a Toyota Sequoia?
We estimate about $1,515 a year ($126 a month) for full coverage and $510 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 5% less than the average vehicle.
Is the Toyota Sequoia expensive to insure?
HLDI insurance-loss data rates it at 104 for collision and 141 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.
Which state is cheapest to insure a Toyota Sequoia?
Maine has the lowest estimate (about $980 a year for full coverage) and Louisiana the highest (about $2,090).
Is the Toyota Sequoia cheaper to insure than the Ford Expedition?
By our estimate the Toyota Sequoia costs about $1,515 a year versus $1,370 for the Ford Expedition, making the Ford Expedition cheaper to insure.
How much is Toyota Sequoia insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,160 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.