A terahertz refractive index sensor consisting of toroidal dipole resonance metasurface integrated with microfluidic channel is proposed. The excitation of toroidal dipole resonance in this metasurface and the localized electromagnetic field enhancement in microfluidic channel are investigated comprehensively. Numerical results show that the calculated quality factor and the corresponding figure of merit can reach 1103 and 244, much higher than previously reported terahertz metamaterials sensors. Moreover, the refractive index sensing capabilities of non-polar and polar liquids are also investigated, which demonstrate the resonant frequency shift does not depend on the losses of analytes and show this device can be used for sensing various materials, including highly absorptive materials. This proposed structure can be extended to work in other frequency regions and has potential applications in high performance gases, liquids and biological materials sensing.