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Car Insurance Quotes for a Toyota Sequoia

Are You Getting the Cheapest Car Insurance Available for a Toyota Sequoia?

Ilustration of Toyota Sequoia

How Much Is Car Insurance for a Toyota Sequoia?

Toyota Sequoia owners say the ample interior space and luxury feel are two reasons they love to drive these SUVs. On average, drivers pay $1,872 for full coverage and $912 for a liability-only policy annually in car insurance costs.

Nationally, those averages are $2,014 for full and $622 for liability only. All drivers are required to carry an auto insurance policy. The most popular options include full coverage and liability-only.

If you need help determining which policies are right for you, let Freeway Insurance lend a hand. One of our friendly and knowledgeable agents will gladly help you review your options in person, over the phone, or through the website.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for a Toyota Sequoia to Other Vehicles

Your premiums will be based on a variety of individual factors, as well as some items related to your Toyota. Do not expect to pay the same premiums as drivers of comparable models like the Jeep Wagoneer, Ford Expedition, Chevrolet Suburban, and GMC Yukon. Every vehicle has its set characteristics regarding theft rate, claims rate, recall record, demographic distribution, engine size, and hundreds of other variables that providers use to assess their risk.

Make/Model Annual Full Coverage Insurance
Toyota Sequoia $1,872
Jeep Wagoneer $2,130
Ford Expedition $1,864
Chevrolet Suburban $1,796
GMC Yukon $1,946

Types of Car Insurance Coverage for a Toyota Large SUV

If you are a Toyota Sequoia driver, you can benefit from one of several types of auto insurance policies, including but not limited to liability-only and full coverage.

Both help satisfy legal requirements for driving in your state. Failure to carry either will result in severe consequences, including a suspended driver’s license and registration, court costs, administrative fees, and the possibility of an SR22, which will keep your rates elevated for several years.

Full Coverage

One of the best ways to stay protected on the road is by seeking a full coverage policy comprising of liability, collision, and comprehensive coverage, which helps cover a broader mix of problematic road scenarios like collisions and damages from natural disasters.

With full coverage, add-ons like roadside assistance and rental car reimbursement are optional (nice to have, but not required). The same applies to medical payments (MedPay), uninsured/underinsured motorist coverage, and gap insurance, although one or more of these may be required in some states.

State Minimum Liability

To satisfy the legal requirement of being insured, many drivers opt for a liability-only policy that only provides third-party benefits, paying for the damages and injuries sustained by others in an at-fault accident caused by you.

Every state has its liability minimums, expressed as three numbers for bodily injury and property damage. For example, Georgia requires all its drivers to carry a 25/50/25 policy, translating to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $25,000 in property damage.

Whenever possible, go for higher coverage limits than state minimums, as you will have greater peace of mind in the event of a severe accident.

Individual Factors That Influence Pricing for an SUV

Underwriters at insurance companies of all sizes calculate the cost of your premiums using hundreds of variables, including:

Coverage History

If you’ve had any previous lapses in coverage, prior claims, or transfers, they may see you as a higher risk, driving the cost of your premiums up accordingly.

Anti-Theft Devices

Installing anti-theft devices in your vehicle, such as steering wheel jacks and GPS tracking systems, can reduce the likelihood of your car being stolen, and you may see a discount. Be mindful of any safety and security feature-related discounts with specific categories set by each provider.

Annual Mileage

The number of miles you drive every year is a deciding factor. The more miles you drive per year, the higher the premiums.

2023: gray Toyota Sequoia , SUV parked in park, front view – cheap car insurance

How Does a DUI Affect Insurance Rates?

Any driver convicted of a DUI offense will face severe legal consequences.

First and foremost, your premiums will skyrocket, doubling or tripling, depending on the severity of the offense. Rates will remain elevated for several years in accordance with each state’s lookback window. Any insurer can use any past DUI conviction as part of its underwriting process for future rate discussions.

Additionally, you may be required to file an SR-22. Your insurance company files this Certificate of Financial Responsibility on your behalf, letting the state know you’re carrying the minimum required liability coverage. Expect it to remain on file for several years, allowing the state to monitor your insurance status and compliance with all mandates as ordered by the court.

In short, avoiding drinking and driving is highly recommended. Even a single DUI conviction will label you as a high-risk driver and can put you in the red for months and years to come.

What Are Some Car Insurance Discounts for a Toyota Sequoia?

If you are a Toyota Sequoia driver, two discount programs that can help you save anywhere from 5% to 25% off your monthly premium are good driver and multi-policy discounts.

Also called bundling, multi-policy discounts award savings to policyholders for purchasing multiple policies under the same roof. These can combine two or more policies, such as auto, home, and renters. It is considered a thank-you gift for being loyal and cutting down on a provider’s administrative processes.

As for good driver discounts, these are extended to policyholders with a safe driving record for the past three to five years, meaning no at-fault accidents, moving violations, or claims. Even a single claim can remove this discount entirely.

Other discounts you may be eligible for include:

  • Defensive Driving Discount. If you enroll in a defensive driving course to improve your driving skills, you let providers know you can be classified as a lower-risk driver, driving costs down accordingly.
  • Pay-In-Full. If you pay your entire premium upfront before the start of your next renewal, then you can benefit from this loyalty-based program
  • Safety Feature. Risk-proof your vehicle by installing safety-related features like anti-theft devices for a discount.
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What Are Some of the Characteristics of the Toyota Sequoia?

The Toyota Sequoia is in the largest SUV segment.

It has five trims: SR5, Limited, Platinum, TRD Pro, and Capstone, all with a single 437 horsepower hybrid engine with a 10-speed automatic transmission.

Standard features include an 8-inch touchscreen, 12.3-inch display, tri-zone automatic climate control, keyless entry, satellite radio, Bluetooth, and Apple Carplay/Android Auto compatibility.

Upgrading to higher-level trims adds 22-inch alloy wheels, leather seating, power retractable running boards, and a head-up display.

Main competitors are the Jeep Wagoneer, Ford Expedition, Chevrolet Suburban, and the GMC Yukon.

Find the Best Car Insurance Rates Online for the Toyota Sequoia Today

If you’ve only recently begun searching for a new policy, then Freeway Insurance is ready to help you make a final decision.

To get started, visit Freeway Insurance online for a quote. You may also call 800-777-5620 or visit one of our offices in person, where one of our friendly agents will gladly provide a consultation. Give us a call today!

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