Chevrolet Equinox EV Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance rates for a Chevrolet Equinox EV are $1,424 a year with full coverage. Comprehensive costs around $332, collision insurance costs $536, and liability coverage is $398. Buying just liability costs around $460 a year, and insurance for high-risk drivers costs around $3,064. 16-year-old drivers receive the highest rates at up to $5,232 a year.
Average premium for full coverage: $1,424
Rate estimates for individual coverage type:
Full coverage includes $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Equinox EV trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $460 for just liability coverage to a much higher rate of $3,064 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities. The price range example below illustrates how location helps determine auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than using 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.
Detailed Rate Analysis
The chart below details average Chevrolet Equinox EV insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $824
- Raising to $1,000 deductibles will save about $198 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,424
- Buying more expensive low deductibles bumps up the cost to $1,804
- Unlucky drivers with multiple tickets or accidents could pay at least $3,064
- The cost that insures a teenage driver with full coverage can be $5,232
Auto insurance rates for a Chevrolet Equinox EV can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 133% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Equinox EV insurance rates. A middle-age driver might find rates as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or at least $1,920 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $580 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
| 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 More Affordable Chevrolet Equinox EV Insurance
Saving money on auto insurance consists of not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Comparison shop at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a summary of the car insurance concepts covered in the charts and tables above.
- Drivers who have multiple accidents or major violations may pay on average $1,640 more every year for Equinox EV insurance
- You may be able to save up to $170 per year just by shopping early and online
- Increasing deductibles can save approximately $575 each year
- Consumers who may need higher liability limits will pay around $440 every year to raise from a minimum limit to the 250/500 level
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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