Chevrolet Equinox Insurance Rates

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2024 Chevrolet Equinox Insurance Rates – 10 Tips for Cheaper Quotes

Trying to find cheaper Driverscar insurance is always hard for beginners to online price comparisons. With so many agents and insurance companies available, it can easily turn into more work than you anticipated to find the best premium rates. You should make it a habit to take a look at other company's rates before your next renewal because prices are variable and change quite frequently. Even if...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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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 for full coverage insurance. Comprehensive insurance costs an estimated $282 a year, collision costs $506, and liability costs $398. A policy with just liability insurance costs as little as $460 a year, with coverage for high-risk drivers costing $2,908 or more. Teens pay the highest rates at $5,040 a year or more.

Average premium for full coverage: $1,344

Price estimates broken down by individual coverage:

Comprehensive $282
Collision $506
Liability $398

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Equinox trim levels.

Price Range from Low to High

For a driver around age 40, Chevrolet Equinox insurance prices go from as cheap as $460 for minimum levels of liability insurance to a high of $2,908 for a policy for a high-risk driver.

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

Geographic Price Range

Your location can make a big difference on the price of insurance. More rural locations have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

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

The ranges above illustrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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 Rate Details

The chart below illustrates estimated Chevrolet Equinox insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $777
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,166 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,344
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $348 annually
  • Drivers with serious driving violations could pay up to $2,908 or more
  • The price with full coverage for a 16-year-old driver can cost as much as $5,040 a year

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 risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $530 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Chevrolet Equinox insurance prices. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,820 on average in Florida, New York, and Michigan.

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 only way to figure out which car insurance is cheapest is to get quotes from multiple companies. Every company calculates prices differently, so the 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 Low Cost Chevrolet Equinox Insurance

Getting lower rates on insurance for a Chevrolet Equinox not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a review of the coverage data covered above.

  • It is possible to save approximately $160 per year simply by quoting early and online
  • Increasing physical damage deductibles could save up to $525 each year
  • Youthful drivers are charged the highest prices, as much as $420 a month including comprehensive and collision insurance
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,560 more annually 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.

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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