Chevrolet Equinox Insurance Rates
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UPDATED: Dec 6, 2021
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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.
The average insurance rates for a Chevrolet Equinox are $1,324 a year for full coverage. Comprehensive costs around $262 a year, collision costs $474, and liability coverage is estimated at $430. A liability-only policy costs approximately $486 a year, with high-risk insurance costing around $2,870. Teenage drivers cost the most to insure at $5,030 a year or more.
Average premium for full coverage: $1,324
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Equinox trim levels.
Price Range Variability
For the normal driver, Chevrolet Equinox insurance rates go from as low as $486 for just the minimum liability insurance to a high of $2,870 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities.
The diagram below illustrates how geographic area affects auto insurance rates.
The examples above show why it is important to get quotes for a specific zip code and risk profile, rather than using 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.
Additional Rate Analysis
The chart below shows estimated Chevrolet Equinox insurance rates for additional coverage choices and driver risks.
- The best discount rate is $767
- Choosing higher $1,000 deductibles can save about $1,158 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,324
- Using low $100 deductibles for comp and collision coverage will increase the cost to $1,650
- Drivers who are prone to accidents and violations could pay at least $2,870 or more
- Policy cost for full coverage for a teenage driver can be $5,030 each year
Car insurance rates for a Chevrolet Equinox also range considerably based on your risk profile, the trim level of your Equinox, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age
Your home state plays a big part in determining prices for Chevrolet Equinox insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,890 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,198 | -$126 | -9.5% |
| Alaska | $1,018 | -$306 | -23.1% |
| Arizona | $1,100 | -$224 | -16.9% |
| Arkansas | $1,324 | -$0 | 0.0% |
| California | $1,510 | $186 | 14.0% |
| Colorado | $1,264 | -$60 | -4.5% |
| Connecticut | $1,362 | $38 | 2.9% |
| Delaware | $1,500 | $176 | 13.3% |
| Florida | $1,656 | $332 | 25.1% |
| Georgia | $1,222 | -$102 | -7.7% |
| Hawaii | $950 | -$374 | -28.2% |
| Idaho | $896 | -$428 | -32.3% |
| Illinois | $988 | -$336 | -25.4% |
| Indiana | $998 | -$326 | -24.6% |
| Iowa | $894 | -$430 | -32.5% |
| Kansas | $1,260 | -$64 | -4.8% |
| Kentucky | $1,806 | $482 | 36.4% |
| Louisiana | $1,960 | $636 | 48.0% |
| Maine | $816 | -$508 | -38.4% |
| Maryland | $1,092 | -$232 | -17.5% |
| Massachusetts | $1,060 | -$264 | -19.9% |
| Michigan | $2,302 | $978 | 73.9% |
| Minnesota | $1,108 | -$216 | -16.3% |
| Mississippi | $1,586 | $262 | 19.8% |
| Missouri | $1,176 | -$148 | -11.2% |
| Montana | $1,424 | $100 | 7.6% |
| Nebraska | $1,044 | -$280 | -21.1% |
| Nevada | $1,586 | $262 | 19.8% |
| New Hampshire | $956 | -$368 | -27.8% |
| New Jersey | $1,482 | $158 | 11.9% |
| New Mexico | $1,172 | -$152 | -11.5% |
| New York | $1,394 | $70 | 5.3% |
| North Carolina | $764 | -$560 | -42.3% |
| North Dakota | $1,084 | -$240 | -18.1% |
| Ohio | $916 | -$408 | -30.8% |
| Oklahoma | $1,360 | $36 | 2.7% |
| Oregon | $1,212 | -$112 | -8.5% |
| Pennsylvania | $1,264 | -$60 | -4.5% |
| Rhode Island | $1,766 | $442 | 33.4% |
| South Carolina | $1,200 | -$124 | -9.4% |
| South Dakota | $1,118 | -$206 | -15.6% |
| Tennessee | $1,160 | -$164 | -12.4% |
| Texas | $1,596 | $272 | 20.5% |
| Utah | $980 | -$344 | -26.0% |
| Vermont | $908 | -$416 | -31.4% |
| Virginia | $794 | -$530 | -40.0% |
| Washington | $1,024 | -$300 | -22.7% |
| West Virginia | $1,212 | -$112 | -8.5% |
| Wisconsin | $918 | -$406 | -30.7% |
| Wyoming | $1,180 | -$144 | -10.9% |
Using high physical damage deductibles can save as much as $500 a year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 135% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Equinox LS 2WD | $1,284 | $107 |
| Chevrolet Equinox LT 2WD | $1,284 | $107 |
| Chevrolet Equinox LS AWD | $1,324 | $110 |
| Chevrolet Equinox LT AWD | $1,324 | $110 |
| Chevrolet Equinox LTZ 2WD | $1,404 | $117 |
| Chevrolet Equinox LTZ AWD | $1,404 | $117 |
Rates assume 2019 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 |
|---|---|---|---|---|
| 2019 Chevrolet Equinox | $262 | $474 | $430 | $1,324 |
| 2018 Chevrolet Equinox | $248 | $458 | $442 | $1,306 |
| 2017 Chevrolet Equinox | $238 | $424 | $452 | $1,272 |
| 2016 Chevrolet Equinox | $230 | $400 | $456 | $1,244 |
| 2015 Chevrolet Equinox | $220 | $358 | $460 | $1,196 |
| 2014 Chevrolet Equinox | $206 | $330 | $460 | $1,154 |
| 2013 Chevrolet Equinox | $198 | $310 | $464 | $1,130 |
| 2012 Chevrolet Equinox | $194 | $288 | $474 | $1,114 |
| 2011 Chevrolet Equinox | $180 | $268 | $474 | $1,080 |
| 2010 Chevrolet Equinox | $174 | $244 | $478 | $1,054 |
| 2009 Chevrolet Equinox | $162 | $222 | $474 | $1,016 |
| 2008 Chevrolet Equinox | $152 | $202 | $474 | $986 |
| 2007 Chevrolet Equinox | $148 | $182 | $468 | $956 |
| 2006 Chevrolet Equinox | $146 | $178 | $460 | $942 |
| 2005 Chevrolet Equinox | $144 | $168 | $452 | $922 |
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 cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
Below you'll find a condensed summary of the material that was presented in the illustrations above.
- Consumers who may need more liability protection will pay an extra $470 each year to raise limits from a 30/60 limit to 250/500 limits
- Youthful drivers are the costliest to insure, costing up to $419 each month if full coverage is included
- Drivers with multiple at-fault accidents may be required to pay an average of $1,550 more every year than a low-risk driver
- Increasing comprehensive and collision deductibles can save around $500 each year
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 | $5,030 |
| 20 | $3,062 |
| 30 | $1,374 |
| 40 | $1,324 |
| 50 | $1,212 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,650 |
| $250 | $1,498 |
| $500 | $1,324 |
| $1,000 | $1,158 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,324 |
| 50/100 | $1,490 |
| 100/300 | $1,598 |
| 250/500 | $1,877 |
| 100 CSL | $1,533 |
| 300 CSL | $1,770 |
| 500 CSL | $1,942 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,160 |
| 20 | $4,876 |
| 30 | $2,924 |
| 40 | $2,870 |
| 50 | $2,740 |
| 60 | $2,716 |
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 | $70 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $59 |
| Advance Quote | $65 |
| Online Quote | $93 |
| Total Discounts | $557 |
Discounts are estimated and may not be available from every company or in every state.
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