Chevrolet Equinox Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 24, 2024

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Chevrolet Equinox insurance
How much does it cost to insure a Chevy Equinox? The average Chevy Equinox insurance rates are $1,370. If you are wondering how much does Equinox insurance cost per month, it will be about $114.

Our guide breaks down Chevy Equinox insurance rates to help drivers save on Chevy Equinox costs. Read on.

Want to jump right into finding Chevrolet Equinox rates? Enter your ZIP code in our free tool above.

U.S. average auto insurance rates for a Chevrolet Equinox are $1,344 annually with full coverage. Comprehensive insurance costs approximately $282 a year, collision costs $506, and liability insurance costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing $2,908 or more. 16-year-old drivers pay the highest rates at $5,040 a year or more.

Average premium for full coverage: $1,344

Price estimates by individual coverage:

Comprehensive $282
Collision $506
Liability $398

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Equinox trim levels.

Price Range from Low to High

For a driver in their 40's, Chevrolet Equinox insurance prices go from as cheap as $460 for liability-only coverage to a high of $2,908 for a driver that may need high-risk insurance.

Liability Only $460
Full Coverage $1,344
High Risk $2,908

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have fewer collision claims than congested cities.

The diagram below illustrates how location helps determine auto insurance prices.

Rural Areas $1,008
Small Cities $1,411
Large Cities $1,814

The ranges above demonstrate why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below details estimated Chevrolet Equinox insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $777
  • Using higher $1,000 deductibles will save $1,166 annually
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,344
  • Buying low $100 deductibles for physical damage coverage costs an additional $348 a year
  • Drivers with multiple tickets or accidents could pay around $2,908 or more
  • The price with full coverage for a teen driver can cost $5,040 or more

View Chart as Image

Chevrolet Equinox insurance cost comparison chart
Column chart showing full coverage Chevrolet Equinox insurance prices range from $777 to $5,040

Insurance prices for a Chevrolet Equinox are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $530 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Chevrolet Equinox insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Utah, Ohio, and New Hampshire, or at least $1,820 on average in New York, Michigan, and Florida.

Chevrolet Equinox Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,216 -$128 -9.5%
Alaska $1,032 -$312 -23.2%
Arizona $1,116 -$228 -17.0%
Arkansas $1,344 -$0 0.0%
California $1,534 $190 14.1%
Colorado $1,284 -$60 -4.5%
Connecticut $1,384 $40 3.0%
Delaware $1,522 $178 13.2%
Florida $1,684 $340 25.3%
Georgia $1,242 -$102 -7.6%
Hawaii $966 -$378 -28.1%
Idaho $910 -$434 -32.3%
Illinois $1,004 -$340 -25.3%
Indiana $1,012 -$332 -24.7%
Iowa $908 -$436 -32.4%
Kansas $1,280 -$64 -4.8%
Kentucky $1,836 $492 36.6%
Louisiana $1,990 $646 48.1%
Maine $830 -$514 -38.2%
Maryland $1,108 -$236 -17.6%
Massachusetts $1,078 -$266 -19.8%
Michigan $2,338 $994 74.0%
Minnesota $1,126 -$218 -16.2%
Mississippi $1,614 $270 20.1%
Missouri $1,194 -$150 -11.2%
Montana $1,444 $100 7.4%
Nebraska $1,062 -$282 -21.0%
Nevada $1,614 $270 20.1%
New Hampshire $970 -$374 -27.8%
New Jersey $1,504 $160 11.9%
New Mexico $1,194 -$150 -11.2%
New York $1,418 $74 5.5%
North Carolina $776 -$568 -42.3%
North Dakota $1,100 -$244 -18.2%
Ohio $930 -$414 -30.8%
Oklahoma $1,382 $38 2.8%
Oregon $1,232 -$112 -8.3%
Pennsylvania $1,284 -$60 -4.5%
Rhode Island $1,796 $452 33.6%
South Carolina $1,222 -$122 -9.1%
South Dakota $1,136 -$208 -15.5%
Tennessee $1,178 -$166 -12.4%
Texas $1,622 $278 20.7%
Utah $996 -$348 -25.9%
Vermont $920 -$424 -31.5%
Virginia $804 -$540 -40.2%
Washington $1,042 -$302 -22.5%
West Virginia $1,232 -$112 -8.3%
Wisconsin $930 -$414 -30.8%
Wyoming $1,198 -$146 -10.9%

View Chart as Image

Chevrolet Equinox insurance rates by U.S. city

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Chevrolet Equinox Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,304 $109
Chevrolet Equinox LT 2WD $1,304 $109
Chevrolet Equinox LS AWD $1,344 $112
Chevrolet Equinox LT AWD $1,344 $112
Chevrolet Equinox LTZ 2WD $1,428 $119
Chevrolet Equinox LTZ AWD $1,428 $119

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Chevrolet Equinox Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Chevrolet Equinox $294 $512 $390 $1,354
2023 Chevrolet Equinox $282 $506 $398 $1,344
2022 Chevrolet Equinox $272 $494 $416 $1,340
2021 Chevrolet Equinox $262 $474 $430 $1,324
2020 Chevrolet Equinox $248 $458 $442 $1,306
2019 Chevrolet Equinox $238 $424 $452 $1,272
2018 Chevrolet Equinox $230 $400 $456 $1,244
2017 Chevrolet Equinox $220 $358 $460 $1,196
2016 Chevrolet Equinox $206 $330 $460 $1,154
2015 Chevrolet Equinox $198 $310 $464 $1,130
2014 Chevrolet Equinox $194 $288 $474 $1,114
2013 Chevrolet Equinox $180 $268 $474 $1,080
2012 Chevrolet Equinox $174 $244 $478 $1,054
2011 Chevrolet Equinox $162 $222 $474 $1,016
2010 Chevrolet Equinox $152 $202 $474 $986
2009 Chevrolet Equinox $148 $182 $468 $956
2008 Chevrolet Equinox $146 $178 $460 $942
2007 Chevrolet Equinox $144 $168 $452 $922
2006 Chevrolet Equinox $132 $160 $446 $896
2005 Chevrolet Equinox $126 $152 $442 $878

Rates are averaged for all Chevrolet Equinox models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Cheap Chevrolet Equinox Insurance

Getting lower rates on Chevrolet Equinox insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick review of the data that was covered in the charts and tables above.

  • You may be able to save around $160 per year simply by quoting early and online
  • Drivers who purchase more liability protection will pay around $440 every year to increase from a low limit to higher 250/500 limits
  • Youthful drivers are the costliest to insure, costing up to $420 a month if they have full coverage
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,560 more per year than a low-risk driver

What Are Some Frequently Asked Questions?

We’re going to cover some common questions we get asked:

  • Is a Chevy Equinox expensive to insure? It’s average for other vehicles in its category.
  • What is the average cost of a Chevy Equinox? Starting at $24,795.
  • Is the 2020 Equinox a good car? It’s a solid compact SUV.

Shopping around will help you find cheaper rates to lower your Equinox car cost per month. Compare companies for multiple model years, such as 2019 Chevy Equinox insurance costs, 2018 Chevy Equinox insurance rates, or 2016 Chevy Equinox costs.

Ready to find the average insurance rates for your Chevy Equinox? Enter your ZIP code in our free tool below to find out how much is Equinox to insure.

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What are the safety ratings of the Chevrolet Equinox?

How much does a new Equinox cost to insure? While you may think a 2020 model will be more expensive to insure than the 2015 or 2011 Equinox cost of insurance, newer models can earn you better discounts if they have good safety features and ratings.

The Chevrolet Equinox has some great safety features, such as multiple airbags, electronic stability control, lane departure warning, and lane-keeping assist. The Insurance Institute for Highway Safety (IIHS) also gave the 2020 Chevrolet Equinox a 2020 Top Safety Pick award. See the rating breakdown below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating possible. Watch the video below for an example of one of the crash tests.

2018 Chevrolet Equinox passenger-side small overlap IIHS crash test

How is the Chevrolet Equinox compared against other vehicles in the same class?

Wondering how much does a Chevy Equinox cost to insure with liability coverage? The cost will be affected by the size and class of a vehicle. The Chevrolet Equinox is a small SUV, so it should have normal liability rates. The IIHS found that the Chevrolet Equinox’s liability losses vary between average and better than average, which is good.

Take a look at the other small SUVs below to see how their rates compare to the Chevrolet Equinox.

Remember, shopping around will help you find cheap rates, from the cost of a Chevy Equinox 2018, 2014, or 2013 model year to the cost of 2005 Chevy Equinox LX. So use rate comparison tools to find out how much does a 2014 Chevy Equinox cost or the Equinox minimum age for safe driver discounts.

Ready to find Chevrolet Equinox insurance rates? Enter your ZIP code in our free tool.

References

  1. https://www.iihs.org/ratings/vehicle/chevrolet/equinox-4-door-suv/2020

Rates by Driver Age

Chevrolet Equinox Insurance Rates by Driver Age
Driver Age Premium
16 $5,040
20 $3,108
30 $1,404
40 $1,344
50 $1,230
60 $1,206

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Equinox Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,692
$250 $1,530
$500 $1,344
$1,000 $1,166

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Equinox Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,344
50/100 $1,508
100/300 $1,607
250/500 $1,866
100 CSL $1,547
300 CSL $1,766
500 CSL $1,926

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Equinox Insurance Rates for High Risk Drivers
Age Premium
16 $7,184
20 $4,938
30 $2,970
40 $2,908
50 $2,776
60 $2,752

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $186

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $98
5-yr Claim Free $86
Paid in Full/EFT $61
Advance Quote $66
Online Quote $95
Total Discounts $567
Rate after discounts $777

Discounts are estimated and may not be available from every company or in every state.

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