Toyota 4Runner vs. Toyota Sequoia Car Insurance Cost Compared

• A 2024 Toyota 4Runner costs less to insure than a 2024 Toyota Sequoia by an average of $340 per year, $2,036 compared to $2,376.
• The Toyota 4Runner costs an average of 0.1% more per year than the 2024 model year average cost to insure a vehicle in the U.S. of $2,034, while the Toyota Sequoia costs an average of 15.5% more per year.
• For the 2024 Toyota 4Runner, auto insurance prices range from $1,952 to $2,152 per year, while the average insurance rate for a 2024 Toyota Sequoia ranges from $2,234 to $2,470.

Is it cheaper to insure a Toyota 4Runner or Sequoia?

Car insurance rates for a 2024 Toyota 4Runner cost an average of $2,036 per year, while insurance for a Toyota Sequoia costs an average of $2,376 per year, making the Toyota 4Runner the winner by $340 per year.

The next table shows how car insurance rates compare in more detail, with rates by driver age and also the cheapest and most expensive trim level of each model to insure.

For the 11 trim levels available for the 2024 Toyota 4Runner, the cheapest model to insure is the SR5 2WD model at an average cost of $1,952 per year.

The 2024 Toyota Sequoia has nine trims available, with the cheapest trim to insure being the SR5 2WD model at an average cost of $2,234 per year.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to insure is the Toyota 4Runner SR5 2WD at an average of $1,952 per year, and the highest-cost model and trim level is the Toyota Sequoia Capstone 4WD costing $2,470 per year.

The table below ranks the annual and monthly car insurance cost for 2024 Toyota 4Runner and Toyota Sequoia models, showing average cost for each trim level.

The next chart illustrates the average cost to insure both models rated for multiple driver ages. The average car insurance cost ranges from $1,814 to $4,138 per year for a 2024 Toyota 4Runner, and $2,110 to $4,784 for a 2024 Toyota Sequoia for the driver ages used.

The two tables below show all the available trims for both 2024 models, plus an average rate for each model.

2023 Toyota 4Runner vs. Toyota Sequoia

Car insurance rates for a 2023 Toyota 4Runner cost an average of $1,728 per year, and insurance for a 2023 Toyota Sequoia averages $1,912 per year, making the Toyota 4Runner the cheaper model to insure.

The next table compares the cost of car insurance for 2023 Toyota 4Runner and Toyota Sequoia models for every trim level.

The chart below demonstrates the average insurance cost for the two models using different driver ages. For a 2023 Toyota 4Runner, average car insurance cost ranges from $1,532 to $3,500 per year for the five driver ages sampled in the chart. Insurance on the 2023 Toyota Sequoia ranges from $1,690 to $3,840 on average per year.

For the 12 trim levels available for the 2023 Toyota 4Runner, the most affordable trim level to insure is the SR5 2WD trim at an average cost of $1,640 per year, or around $137 per month. For the nine different option levels available for the Toyota Sequoia, the lowest-cost 2023 trim level to insure is the SR5 2WD trim at the cost of $1,784 per year, or around $149 per month.

When comparing both models combined at a trim-level basis, the most affordable model and trim level to insure is the Toyota 4Runner SR5 2WD at an average of $1,640 per year. The highest-cost model and trim level is the Toyota Sequoia TRD Pro 4WD at a cost of $1,980 per year.

The following two tables show the average cost to insure each trim level for a 2023 Toyota 4Runner and Toyota Sequoia, including the average rate for each model. The winner for the 2023 car insurance rate comparison is the Toyota 4Runner.

2022 Toyota 4Runner vs. Toyota Sequoia

When comparing insurance costs for 2022 models, the Toyota 4Runner costs $1,690 per year for full coverage and the Toyota Sequoia costs $1,800, making the Toyota 4Runner the cheaper model to insure by $110 for this model year.

The chart shown below displays the average insurance cost for both 2022 models using drivers aged 20 to 50. The average cost of full-coverage insurance ranges from $1,498 to $3,422 per year for a 2022 Toyota 4Runner, and $1,594 to $3,626 for a 2022 Toyota Sequoia for the illustrated age groups.

For the 13 trims available for the 2022 Toyota 4Runner, the cheapest model to insure is the SR5 2WD model at an average cost of $1,602 per year, or $134 per month.

A 2022 Toyota Sequoia has 11 trims available, with the most affordable trim level to insure being the SR5 2WD trim at an average cost of $1,688 per year.

When rates are compared for the 24 trim levels of both 2022 models, the cheapest vehicle to insure is the Toyota 4Runner SR5 2WD at an average cost of $1,602 per year, and the overall most expensive vehicle to insure is the Toyota Sequoia TRD Pro 4WD at an average of $1,886 per year.

The next two rate tables display the average cost to insure all 2022 trim levels, as well as an average rate for each model.

2021 Toyota 4Runner vs. Toyota Sequoia

When comparing car insurance rates for 2021 models, a Toyota 4Runner costs an average of $1,710 per year to insure and a Toyota Sequoia costs $1,770, making the Toyota 4Runner cheaper to insure by $60 per year for this comparison year.

The rate chart below shows the average car insurance cost for the two models using different driver ages. Average full-coverage insurance ranges from $1,518 to $3,480 per year for a 2021 Toyota 4Runner, and $1,566 to $3,592 on a 2021 Toyota Sequoia for the five driver ages sampled in the chart.

Out of 12 trim levels for the 2021 Toyota 4Runner, the most affordable rates are on the SR/5 2WD trim at the cost of $1,658 per year, or around $138 per month. A 2021 Toyota Sequoia has 13 different trims available, and the lowest-cost model to insure is the SR/5 2WD model at an average cost of $1,678 per year, or around $140 per month.

When comparing rates by trim level for both models, the overall cheapest vehicle to buy insurance for is the Toyota 4Runner SR/5 2WD at an average cost of $1,658 per year. The most expensive vehicle to insure is the Toyota Sequoia Platinum 4WD costing $1,834 per year.

The rate tables below break down the average cost to insure all 2021 trim levels, plus the average rate for each model. The cheapest model to insure for the 2021 model year is the Toyota 4Runner.

2020 Toyota 4Runner vs. Toyota Sequoia

For the 2020 Toyota 4Runner and Toyota Sequoia models, the Toyota 4Runner is cheaper to insure by an average of $56 per year.

The following chart demonstrates the average insurance cost for both 2020 models rated for different driver ages. The average cost of full-coverage insurance ranges from $1,476 to $3,380 per year on the 2020 Toyota 4Runner, and $1,522 to $3,488 for the 2020 Toyota Sequoia for the five driver age examples in the chart.

For the 12 trim levels available for the 2020 Toyota 4Runner, the cheapest trim level to insure is the SR/5 2WD trim at an average cost of $1,610 per year, or around $134 per month.

For the 13 trims available for the Toyota Sequoia, the cheapest 2020 model to insure is the SR/5 2WD model at the cost of $1,626 per year, or about $136 per month.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest model and trim level to insure is the Toyota 4Runner SR/5 2WD at an average rate of $1,610 per year. The most expensive model and trim level is the Toyota Sequoia Platinum 4WD costing an average of $1,794 per year.

The two tables below detail the average cost to insure each trim level for a 2020 Toyota 4Runner and Toyota Sequoia, including an overall average rate. The model with the cheapest overall car insurance rates for 2020 is the Toyota 4Runner.

2019 Toyota 4Runner vs. Toyota Sequoia

For 2019 Toyota 4Runner and Toyota Sequoia models, the Toyota 4Runner is cheaper to insure by an average of $246 per year.

The following chart visualizes the average insurance cost for both 2019 models rated for multiple driver ages. For a 2019 Toyota 4Runner, the average car insurance cost ranges from $1,292 to $2,952 per year for the five different driver ages shown in the chart. Full-coverage insurance for the 2019 Toyota Sequoia costs from $1,508 to $3,442 on average per year.

Out of nine trim levels for the 2019 Toyota 4Runner, the cheapest average insurance prices are on the SR/5 2WD model at a cost of $1,384 per year.

Out of the eight trim options available for the Toyota Sequoia, the cheapest 2019 model to insure is the SR/5 2WD trim at the cost of $1,638 per year, or about $137 per month.

When trim-level rates for both models are compared, the overall cheapest vehicle to buy insurance for is the Toyota 4Runner SR/5 2WD at an average of $1,384 per year. The highest-cost model and trim level is the Toyota Sequoia Platinum 4WD costing an average of $1,734 per year.

The rate tables below break down the average insurance cost by trim level for both 2019 models, as well as the overall average rate for each model. The model with the cheapest overall car insurance rates for 2019 is the Toyota 4Runner.

2018 Toyota 4Runner vs. Toyota Sequoia

A 2018 Toyota 4Runner is $258 cheaper to insure per year on average than a 2018 Toyota Sequoia, a difference of 17.1%.

The chart shown below demonstrates the average car insurance cost for the two models for drivers aged 20 to 50. For a 2018 Toyota 4Runner, the average car insurance cost ranges from $1,228 to $2,798 per year for the five driver ages sampled in the chart. Auto insurance for the 2018 Toyota Sequoia costs from $1,456 to $3,310 on average per year.

For the nine trims available for a 2018 Toyota 4Runner, the most affordable trim level to insure is the SR/5 2WD trim at an average cost of $1,324 per year, or $110 per month. For the eight trim and option levels available for a Toyota Sequoia, the lowest-cost 2018 trim to insure is the SR/5 2WD trim at the cost of $1,568 per year, or $131 per month.

When comparing combined rates for both models from a trim-level perspective, the cheapest vehicle to insure is the Toyota 4Runner SR/5 2WD at a cost of $1,324 per year. The most expensive vehicle to insure is the Toyota Sequoia Platinum 4WD costing an average of $1,706 per year.

The tables shown below illustrate average car insurance cost by trim level for each 2018 model, including the average rate for each model. The model with the cheapest car insurance rates for 2018 is the Toyota 4Runner.

2017 Toyota 4Runner vs. Toyota Sequoia

When comparing car insurance rates for 2017 models, the Toyota 4Runner costs $1,328 per year for a full-coverage policy and the Toyota Sequoia costs $1,570, making the Toyota 4Runner the winner by $242 for the 2017 comparison year.

The following chart demonstrates the average cost to insure both models using drivers aged 20 to 50. Average full-coverage insurance ranges from $1,184 to $2,692 per year on the 2017 Toyota 4Runner, and $1,398 to $3,174 for the 2017 Toyota Sequoia for the included driver ages.

For the nine trims available for a 2017 Toyota 4Runner, the lowest-cost model to insure is the SR/5 2WD trim at an average cost of $1,276 per year. For the six trim levels available for a Toyota Sequoia, the most affordable 2017 trim to insure is the SR/5 2WD trim at a cost of $1,510.

When comparing combined rates for both models from a trim-level perspective, the lowest-cost model and trim to put coverage on is the Toyota 4Runner SR/5 2WD at an average of $1,276 per year, and the highest-cost model and trim level is the Toyota Sequoia Platinum 4WD at a cost of $1,640 per year.

The rate tables below break down average car insurance rates for every trim level for both 2017 models, along with the average rate for each model. The 2017 Toyota 4Runner has cheaper average auto insurance rates than the 2017 Toyota Sequoia.

2016 Toyota 4Runner vs. Toyota Sequoia

For 2016 Toyota 4Runner and Toyota Sequoia models, the Toyota 4Runner has lower-cost car insurance by $166 per year for this comparison year.

The chart shown below demonstrates the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2016 Toyota 4Runner, insurance cost ranges from $1,160 to $2,616 per year for the driver examples in the chart. Insurance for the 2016 Toyota Sequoia costs from $1,312 to $2,956 on average per year.

For the nine trims available for the 2016 Toyota 4Runner, the cheapest model to insure is the SR/5 2WD model at an average cost of $1,258 per year. A 2016 Toyota Sequoia has six different option levels available, with the lowest-cost trim level to insure being the SR/5 2WD model at an average cost of $1,390 per year.

When insurance prices for all 15 trim levels for the 2016 model year of both models are compared, the lowest-cost model and trim level to put coverage on is the Toyota 4Runner SR/5 2WD at an average cost of $1,258 per year, and the highest-cost model and trim is the Toyota Sequoia Platinum 4WD at an average cost of $1,508 per year.

The tables below display average car insurance cost by trim level for a 2016 Toyota 4Runner and Toyota Sequoia, as well as the overall average rate for each model. The cheapest to insure for the 2016 model year is the Toyota 4Runner.

2015 Toyota 4Runner vs. Toyota Sequoia

For the 2015 Toyota 4Runner and Toyota Sequoia models, the Toyota 4Runner has cheaper car insurance cost by $186 per year.

The next chart visualizes the average car insurance cost for both models rated for a variety of different driver ages. Average car insurance cost ranges from $1,138 to $2,584 per year on a 2015 Toyota 4Runner, and $1,312 to $2,964 on a 2015 Toyota Sequoia.

For the nine trims available for a 2015 Toyota 4Runner, the cheapest model to insure is the SR/5 2WD model at an average cost of $1,244 per year, or around $104 per month. For the six trim and option levels available for the Toyota Sequoia, the cheapest 2015 trim level to insure is the SR/5 2WD model at the cost of $1,392 per year, or about $116 per month.

When trim-level rates for both models are compared, the cheapest trim to buy insurance for is the Toyota 4Runner SR/5 2WD at an average rate of $1,244 per year. The most expensive model and trim level is the Toyota Sequoia Platinum 4WD costing an average of $1,500 per year.

The next two rate tables show trim level insurance rates for each 2015 model, along with the average rate for each model.

Additional Toyota 4Runner and Toyota Sequoia Resources

• Toyota 4Runner Insurance Cost
• Toyota Sequoia Insurance Cost
• Midsize SUV Insurance Cost Comparisons
• Large SUV Insurance Cost Comparisons