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 insurance prices for a Chevrolet Equinox are $1,354 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $294, collision costs $512, and liability costs around $390. Buying just liability costs as low as $452 a year, with insurance for high-risk drivers costing $2,918 or more. 16-year-old drivers pay the highest rates at $5,032 a year or more.

Average premium for full coverage: $1,354

Price estimates by individual coverage:

Comprehensive $294
Collision $512
Liability $390

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Equinox trim levels.

Price Range from Low to High

For a driver around age 40, Chevrolet Equinox insurance prices go from the cheapest price of $452 for liability-only coverage to a much higher rate of $2,918 for a high-risk insurance policy.

Liability Only $452
Full Coverage $1,354
High Risk $2,918

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,016
Small Cities $1,422
Large Cities $1,828

The ranges above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of 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.

Additional Charts and Tables

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

  • The best full coverage rate is $783
  • Using higher $1,000 deductibles will save $184 each year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,354
  • Buying more expensive low deductibles for physical damage coverage costs an extra $352 every year
  • Drivers with multiple tickets or accidents could pay around $2,918 or more
  • The price to insure a teen driver with full coverage can cost $5,032 or more

View Chart as Image

Chevrolet Equinox insurance cost comparison chart
Column chart showing full coverage Chevrolet Equinox insurance prices range from $783 to $5,032

Insurance prices for a Chevrolet Equinox are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Equinox.

Opting for high physical damage deductibles could cut prices by as much as $540 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers 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 were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can be as much as 44% to 132% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Chevrolet Equinox insurance prices. A driver around age 40 might see prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,830 on average in Florida, New York, and Michigan.

Chevrolet Equinox Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,224 -$130 -9.6%
Alaska $1,038 -$316 -23.3%
Arizona $1,124 -$230 -17.0%
Arkansas $1,354 -$0 0.0%
California $1,540 $186 13.7%
Colorado $1,292 -$62 -4.6%
Connecticut $1,392 $38 2.8%
Delaware $1,532 $178 13.1%
Florida $1,692 $338 25.0%
Georgia $1,250 -$104 -7.7%
Hawaii $970 -$384 -28.4%
Idaho $914 -$440 -32.5%
Illinois $1,006 -$348 -25.7%
Indiana $1,020 -$334 -24.7%
Iowa $914 -$440 -32.5%
Kansas $1,286 -$68 -5.0%
Kentucky $1,846 $492 36.3%
Louisiana $2,002 $648 47.9%
Maine $836 -$518 -38.3%
Maryland $1,116 -$238 -17.6%
Massachusetts $1,082 -$272 -20.1%
Michigan $2,352 $998 73.7%
Minnesota $1,132 -$222 -16.4%
Mississippi $1,620 $266 19.6%
Missouri $1,200 -$154 -11.4%
Montana $1,454 $100 7.4%
Nebraska $1,068 -$286 -21.1%
Nevada $1,622 $268 19.8%
New Hampshire $974 -$380 -28.1%
New Jersey $1,514 $160 11.8%
New Mexico $1,198 -$156 -11.5%
New York $1,426 $72 5.3%
North Carolina $778 -$576 -42.5%
North Dakota $1,108 -$246 -18.2%
Ohio $934 -$420 -31.0%
Oklahoma $1,390 $36 2.7%
Oregon $1,240 -$114 -8.4%
Pennsylvania $1,292 -$62 -4.6%
Rhode Island $1,806 $452 33.4%
South Carolina $1,226 -$128 -9.5%
South Dakota $1,142 -$212 -15.7%
Tennessee $1,186 -$168 -12.4%
Texas $1,632 $278 20.5%
Utah $1,002 -$352 -26.0%
Vermont $926 -$428 -31.6%
Virginia $810 -$544 -40.2%
Washington $1,044 -$310 -22.9%
West Virginia $1,240 -$114 -8.4%
Wisconsin $938 -$416 -30.7%
Wyoming $1,208 -$146 -10.8%

View Chart as Image

Chevrolet Equinox insurance rates by U.S. city

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, and prices may be quite different.

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 $1,310 $109
Chevrolet Equinox LT 2WD $1,310 $109
Chevrolet Equinox LS AWD $1,354 $113
Chevrolet Equinox LT AWD $1,354 $113
Chevrolet Equinox LTZ 2WD $1,438 $120
Chevrolet Equinox LTZ AWD $1,438 $120

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 $308 $532 $372 $1,370
2023 Chevrolet Equinox $294 $512 $390 $1,354
2022 Chevrolet Equinox $282 $506 $398 $1,344
2021 Chevrolet Equinox $272 $494 $416 $1,340
2020 Chevrolet Equinox $262 $474 $430 $1,324
2019 Chevrolet Equinox $248 $458 $442 $1,306
2018 Chevrolet Equinox $238 $424 $452 $1,272
2017 Chevrolet Equinox $230 $400 $456 $1,244
2016 Chevrolet Equinox $220 $358 $460 $1,196
2015 Chevrolet Equinox $206 $330 $460 $1,154
2014 Chevrolet Equinox $198 $310 $464 $1,130
2013 Chevrolet Equinox $194 $288 $474 $1,114
2012 Chevrolet Equinox $180 $268 $474 $1,080
2011 Chevrolet Equinox $174 $244 $478 $1,054
2010 Chevrolet Equinox $162 $222 $474 $1,016
2009 Chevrolet Equinox $152 $202 $474 $986
2008 Chevrolet Equinox $148 $182 $468 $956
2007 Chevrolet Equinox $146 $178 $460 $942
2006 Chevrolet Equinox $144 $168 $452 $922
2005 Chevrolet Equinox $132 $160 $446 $896

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 Shop for the Right Chevrolet Equinox Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a quick rundown of the car insurance concepts covered above.

  • Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,560 more per year for car insurance
  • It is possible to save around $160 per year simply by shopping early and online
  • Increasing physical damage deductibles could save as much as $525 each year
  • Policyholders who purchase higher liability limits will pay around $430 annually to increase from a low limit to a 250/500 level

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 $5,032
20 $3,112
30 $1,410
40 $1,354
50 $1,236
60 $1,210

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Equinox Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,706
$250 $1,544
$500 $1,354
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Equinox Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,354
50/100 $1,516
100/300 $1,614
250/500 $1,867
100 CSL $1,555
300 CSL $1,770
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 $7,174
20 $4,950
30 $2,982
40 $2,918
50 $2,784
60 $2,760

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 $187

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $99
5-yr Claim Free $87
Paid in Full/EFT $61
Advance Quote $66
Online Quote $96
Total Discounts $571
Rate after discounts $783

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

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