Chevrolet Equinox Insurance Rates
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UPDATED: May 24, 2024
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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.
Estimated insurance rates for a Chevrolet Equinox are $1,344 a year including full coverage. Comprehensive costs an estimated $282, collision insurance costs $506, and liability coverage costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs around $2,908. Teens pay the most at up to $5,040 a year.
Average premium for full coverage: $1,344
Premium estimates broken down by type of coverage:
Price estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Equinox trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Chevrolet Equinox range from the low end price of $460 for basic liability insurance to a much higher rate of $2,908 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than using 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.
Rate Comparisons
The chart below breaks down average Chevrolet Equinox insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $777
- Using higher $1,000 deductibles will save approximately $178 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,344
- Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,692
- Higher-risk drivers with serious driving violations could pay up to $2,908
- An auto insurance policy that insures a teenage driver with full coverage can cost as much as $5,040 or more
Insurance prices for a Chevrolet Equinox also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance can be around 44% to 133% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age
Where you choose to live has a huge impact on Chevrolet Equinox insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,920 on average in Louisiana, New York, and Michigan.
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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $530 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
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.
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 Find Cheaper Chevrolet Equinox Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The following is a condensed summary of the information touched on in the above illustrations.
- You may be able to save approximately $160 per year just by shopping early and online
- Teens are expensive to insure, with the cost nearing $420 per month if comprehensive and collision insurance is included
- Increasing policy deductibles can save approximately $525 each year
- Drivers with multiple at-fault accidents could be charged and average of $1,560 more annually for Equinox insurance
- Consumers who want higher liability limits will pay approximately $440 per year to increase from 30/60 bodily injury limits to the 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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,692 |
$250 | $1,530 |
$500 | $1,344 |
$1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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