Chevrolet Equinox EV Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Chevrolet Equinox EV are $1,454 annually for full coverage insurance. Comprehensive insurance costs approximately $362, collision costs $562, and liability insurance is $372. Buying just liability costs around $438 a year, with insurance for high-risk drivers costing $3,118 or more. Teen drivers cost the most to insure at $5,258 a year or more.
Average premium for full coverage: $1,454
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Equinox EV models.
Price Range Variability
Using a 40-year-old driver as an example, Chevrolet Equinox EV insurance rates go from as cheap as $438 for just liability insurance to the much higher price of $3,118 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance prices.
The examples above illustrate why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than relying on price 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.
More Rate Details
The chart below illustrates estimated Chevrolet Equinox EV insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $842
- Raising to $1,000 deductibles will save $208 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,454
- Choosing pricier low deductibles costs an additional $406 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,118 or more
- Policy cost with full coverage for a teen driver for full coverage can cost $5,258
Insurance rates for a Chevrolet Equinox EV also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Chevrolet Equinox EV insurance for high-risk drivers is expensive and can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $620 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Chevrolet Equinox EV insurance rates. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,970 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,316 | -$138 | -9.5% |
| Alaska | $1,118 | -$336 | -23.1% |
| Arizona | $1,208 | -$246 | -16.9% |
| Arkansas | $1,454 | -$0 | 0.0% |
| California | $1,660 | $206 | 14.2% |
| Colorado | $1,392 | -$62 | -4.3% |
| Connecticut | $1,496 | $42 | 2.9% |
| Delaware | $1,648 | $194 | 13.3% |
| Florida | $1,824 | $370 | 25.4% |
| Georgia | $1,344 | -$110 | -7.6% |
| Hawaii | $1,046 | -$408 | -28.1% |
| Idaho | $986 | -$468 | -32.2% |
| Illinois | $1,086 | -$368 | -25.3% |
| Indiana | $1,096 | -$358 | -24.6% |
| Iowa | $982 | -$472 | -32.5% |
| Kansas | $1,384 | -$70 | -4.8% |
| Kentucky | $1,986 | $532 | 36.6% |
| Louisiana | $2,156 | $702 | 48.3% |
| Maine | $900 | -$554 | -38.1% |
| Maryland | $1,202 | -$252 | -17.3% |
| Massachusetts | $1,166 | -$288 | -19.8% |
| Michigan | $2,530 | $1,076 | 74.0% |
| Minnesota | $1,220 | -$234 | -16.1% |
| Mississippi | $1,744 | $290 | 19.9% |
| Missouri | $1,292 | -$162 | -11.1% |
| Montana | $1,564 | $110 | 7.6% |
| Nebraska | $1,150 | -$304 | -20.9% |
| Nevada | $1,744 | $290 | 19.9% |
| New Hampshire | $1,050 | -$404 | -27.8% |
| New Jersey | $1,628 | $174 | 12.0% |
| New Mexico | $1,290 | -$164 | -11.3% |
| New York | $1,534 | $80 | 5.5% |
| North Carolina | $838 | -$616 | -42.4% |
| North Dakota | $1,190 | -$264 | -18.2% |
| Ohio | $1,004 | -$450 | -30.9% |
| Oklahoma | $1,496 | $42 | 2.9% |
| Oregon | $1,334 | -$120 | -8.3% |
| Pennsylvania | $1,390 | -$64 | -4.4% |
| Rhode Island | $1,942 | $488 | 33.6% |
| South Carolina | $1,320 | -$134 | -9.2% |
| South Dakota | $1,228 | -$226 | -15.5% |
| Tennessee | $1,276 | -$178 | -12.2% |
| Texas | $1,754 | $300 | 20.6% |
| Utah | $1,078 | -$376 | -25.9% |
| Vermont | $996 | -$458 | -31.5% |
| Virginia | $874 | -$580 | -39.9% |
| Washington | $1,126 | -$328 | -22.6% |
| West Virginia | $1,334 | -$120 | -8.3% |
| Wisconsin | $1,008 | -$446 | -30.7% |
| Wyoming | $1,298 | -$156 | -10.7% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Chevrolet Equinox EV | $362 | $562 | $372 | $1,454 |
| 2023 Chevrolet Equinox EV | $346 | $542 | $390 | $1,436 |
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 Buy Affordable Chevrolet Equinox EV Insurance
Finding cheaper rates on Chevrolet Equinox EV insurance consists of being safe and accident-free, having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a brief review of the car insurance concepts raised in the charts and tables above.
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,660 more per year than a low-risk driver
- It is possible to save around $180 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $625 each year
- Drivers who purchase more liability protection will pay about $410 annually to raise from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,258 |
| 20 | $3,312 |
| 30 | $1,526 |
| 40 | $1,454 |
| 50 | $1,326 |
| 60 | $1,298 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,860 |
| $250 | $1,674 |
| $500 | $1,454 |
| $1,000 | $1,246 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,454 |
| 50/100 | $1,528 |
| 100/300 | $1,621 |
| 250/500 | $1,863 |
| 100 CSL | $1,566 |
| 300 CSL | $1,770 |
| 500 CSL | $1,919 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,508 |
| 20 | $5,254 |
| 30 | $3,194 |
| 40 | $3,118 |
| 50 | $2,970 |
| 60 | $2,940 |
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 | $78 |
| Multi-vehicle | $73 |
| Homeowner | $20 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $67 |
| Advance Quote | $71 |
| Online Quote | $104 |
| Total Discounts | $612 |
Discounts are estimated and may not be available from every company or in every state.
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