Chevrolet Equinox EV Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Chevrolet Equinox EV are $1,424 a year for full coverage. Comprehensive costs approximately $332, collision costs $536, and liability is estimated at $398. A liability-only policy costs approximately $460 a year, with high-risk insurance costing around $3,064. Teenage drivers cost the most to insure at $5,232 a year or more.
Average premium for full coverage: $1,424
Policy rates by type of insurance:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Equinox EV models.
Price Range Variability
For a driver around age 40, Chevrolet Equinox EV insurance rates go from the low end price of $460 for your basic liability-only policy to the much higher price of $3,064 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above show why everyone should get quotes using their specific location, instead of making a decision based on average rates.
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.
More Rate Information
The chart below shows estimated Chevrolet Equinox EV insurance rates for additional coverage and risk scenarios.
- The best discount rate is $824
- Choosing higher $1,000 deductibles can save $198 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,424
- Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,804
- Higher-risk drivers who are prone to accidents and violations could pay around $3,064 or more
- Policy cost that insures a 16-year-old driver for full coverage can cost $5,232 each year
Car insurance rates for a Chevrolet Equinox EV also range considerably based on the model of your Equinox EV, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Chevrolet Equinox EV insurance for high-risk drivers ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,200 a year. View Rates by Age
Your home state plays a big part in determining prices for Chevrolet Equinox EV insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,030 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,288 | -$136 | -9.6% |
| Alaska | $1,094 | -$330 | -23.2% |
| Arizona | $1,184 | -$240 | -16.9% |
| Arkansas | $1,424 | -$0 | 0.0% |
| California | $1,624 | $200 | 14.0% |
| Colorado | $1,360 | -$64 | -4.5% |
| Connecticut | $1,466 | $42 | 2.9% |
| Delaware | $1,614 | $190 | 13.3% |
| Florida | $1,782 | $358 | 25.1% |
| Georgia | $1,316 | -$108 | -7.6% |
| Hawaii | $1,024 | -$400 | -28.1% |
| Idaho | $964 | -$460 | -32.3% |
| Illinois | $1,064 | -$360 | -25.3% |
| Indiana | $1,072 | -$352 | -24.7% |
| Iowa | $962 | -$462 | -32.4% |
| Kansas | $1,356 | -$68 | -4.8% |
| Kentucky | $1,944 | $520 | 36.5% |
| Louisiana | $2,110 | $686 | 48.2% |
| Maine | $880 | -$544 | -38.2% |
| Maryland | $1,174 | -$250 | -17.6% |
| Massachusetts | $1,140 | -$284 | -19.9% |
| Michigan | $2,476 | $1,052 | 73.9% |
| Minnesota | $1,194 | -$230 | -16.2% |
| Mississippi | $1,708 | $284 | 19.9% |
| Missouri | $1,264 | -$160 | -11.2% |
| Montana | $1,530 | $106 | 7.4% |
| Nebraska | $1,124 | -$300 | -21.1% |
| Nevada | $1,710 | $286 | 20.1% |
| New Hampshire | $1,028 | -$396 | -27.8% |
| New Jersey | $1,594 | $170 | 11.9% |
| New Mexico | $1,264 | -$160 | -11.2% |
| New York | $1,502 | $78 | 5.5% |
| North Carolina | $820 | -$604 | -42.4% |
| North Dakota | $1,168 | -$256 | -18.0% |
| Ohio | $984 | -$440 | -30.9% |
| Oklahoma | $1,464 | $40 | 2.8% |
| Oregon | $1,306 | -$118 | -8.3% |
| Pennsylvania | $1,360 | -$64 | -4.5% |
| Rhode Island | $1,902 | $478 | 33.6% |
| South Carolina | $1,292 | -$132 | -9.3% |
| South Dakota | $1,202 | -$222 | -15.6% |
| Tennessee | $1,248 | -$176 | -12.4% |
| Texas | $1,718 | $294 | 20.6% |
| Utah | $1,056 | -$368 | -25.8% |
| Vermont | $974 | -$450 | -31.6% |
| Virginia | $852 | -$572 | -40.2% |
| Washington | $1,102 | -$322 | -22.6% |
| West Virginia | $1,306 | -$118 | -8.3% |
| Wisconsin | $988 | -$436 | -30.6% |
| Wyoming | $1,270 | -$154 | -10.8% |
Using high physical damage deductibles can save as much as $580 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Chevrolet Equinox EV | $332 | $536 | $398 | $1,424 |
| 2023 Chevrolet Equinox EV | $320 | $524 | $416 | $1,418 |
Rates are averaged for all Chevrolet Equinox EV models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Chevrolet Equinox EV Insurance
Finding cheaper rates on insurance for a Chevrolet Equinox EV takes being a good driver, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare prices every year by getting rate quotes from direct carriers, and also from insurance agencies where you live.
The following list is a quick rundown of the coverage data covered above.
- Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $575 each year
- Drivers age 16 to 20 pay the highest auto insurance rates, costing up to $436 each month if full coverage is purchased
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,640 more per year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,232 |
| 20 | $3,260 |
| 30 | $1,490 |
| 40 | $1,424 |
| 50 | $1,300 |
| 60 | $1,274 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,804 |
| $250 | $1,630 |
| $500 | $1,424 |
| $1,000 | $1,226 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,424 |
| 50/100 | $1,504 |
| 100/300 | $1,603 |
| 250/500 | $1,862 |
| 100 CSL | $1,543 |
| 300 CSL | $1,762 |
| 500 CSL | $1,922 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,466 |
| 20 | $5,176 |
| 30 | $3,134 |
| 40 | $3,064 |
| 50 | $2,920 |
| 60 | $2,894 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $76 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $65 |
| Advance Quote | $69 |
| Online Quote | $101 |
| Total Discounts | $600 |
Discounts are estimated and may not be available from every company or in every state.
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