Chevrolet Equinox Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
Average insurance rates for a Chevrolet Equinox are $1,340 a year for full coverage. Comprehensive insurance costs on average $272, collision costs $494, and liability coverage is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing $2,904 or more. 16-year-old drivers receive the highest rates at $5,062 a year or more.
Average premium for full coverage: $1,340
Rate estimates by individual coverage type:
Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Equinox models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $474 for a discount liability-only rate to the much higher price of $2,904 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities.
The example below illustrates the difference location can make on car insurance rates.
These examples show why everyone should compare rates quotes based on a specific location and risk profile, 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.
Rates by State, City, and Model
The chart below shows estimated Chevrolet Equinox insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $774
- Raising to $1,000 deductibles will save around $174 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,340
- Buying pricier low deductibles will cost an extra $338 each year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,904 or more
- The cost for full coverage for a teenage driver for full coverage may cost $5,062
Car insurance rates for a Chevrolet Equinox can also vary considerably based on your driver profile, the trim level of your Equinox, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $5,000 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Equinox insurance rates. A middle-age driver might find rates as low as $890 a year in states like Idaho, Maine, and Iowa, or at least $1,910 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,212 | -$128 | -9.6% |
| Alaska | $1,030 | -$310 | -23.1% |
| Arizona | $1,114 | -$226 | -16.9% |
| Arkansas | $1,340 | -$0 | 0.0% |
| California | $1,528 | $188 | 14.0% |
| Colorado | $1,282 | -$58 | -4.3% |
| Connecticut | $1,380 | $40 | 3.0% |
| Delaware | $1,518 | $178 | 13.3% |
| Florida | $1,678 | $338 | 25.2% |
| Georgia | $1,238 | -$102 | -7.6% |
| Hawaii | $964 | -$376 | -28.1% |
| Idaho | $908 | -$432 | -32.2% |
| Illinois | $998 | -$342 | -25.5% |
| Indiana | $1,010 | -$330 | -24.6% |
| Iowa | $906 | -$434 | -32.4% |
| Kansas | $1,276 | -$64 | -4.8% |
| Kentucky | $1,830 | $490 | 36.6% |
| Louisiana | $1,984 | $644 | 48.1% |
| Maine | $828 | -$512 | -38.2% |
| Maryland | $1,106 | -$234 | -17.5% |
| Massachusetts | $1,074 | -$266 | -19.9% |
| Michigan | $2,328 | $988 | 73.7% |
| Minnesota | $1,122 | -$218 | -16.3% |
| Mississippi | $1,606 | $266 | 19.9% |
| Missouri | $1,192 | -$148 | -11.0% |
| Montana | $1,442 | $102 | 7.6% |
| Nebraska | $1,058 | -$282 | -21.0% |
| Nevada | $1,608 | $268 | 20.0% |
| New Hampshire | $966 | -$374 | -27.9% |
| New Jersey | $1,498 | $158 | 11.8% |
| New Mexico | $1,186 | -$154 | -11.5% |
| New York | $1,412 | $72 | 5.4% |
| North Carolina | $772 | -$568 | -42.4% |
| North Dakota | $1,096 | -$244 | -18.2% |
| Ohio | $928 | -$412 | -30.7% |
| Oklahoma | $1,378 | $38 | 2.8% |
| Oregon | $1,230 | -$110 | -8.2% |
| Pennsylvania | $1,280 | -$60 | -4.5% |
| Rhode Island | $1,788 | $448 | 33.4% |
| South Carolina | $1,214 | -$126 | -9.4% |
| South Dakota | $1,134 | -$206 | -15.4% |
| Tennessee | $1,174 | -$166 | -12.4% |
| Texas | $1,618 | $278 | 20.7% |
| Utah | $994 | -$346 | -25.8% |
| Vermont | $918 | -$422 | -31.5% |
| Virginia | $804 | -$536 | -40.0% |
| Washington | $1,038 | -$302 | -22.5% |
| West Virginia | $1,230 | -$110 | -8.2% |
| Wisconsin | $928 | -$412 | -30.7% |
| Wyoming | $1,194 | -$146 | -10.9% |
Opting for high physical damage deductibles can reduce rates by up to $520 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Chevrolet Equinox insurance for high-risk drivers is expensive and can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different 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 | $1,300 | $108 |
| Chevrolet Equinox LT 2WD | $1,300 | $108 |
| Chevrolet Equinox LS AWD | $1,340 | $112 |
| Chevrolet Equinox LT AWD | $1,340 | $112 |
| Chevrolet Equinox LTZ 2WD | $1,422 | $119 |
| Chevrolet Equinox LTZ AWD | $1,422 | $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 | $282 | $506 | $398 | $1,344 |
| 2023 Chevrolet Equinox | $272 | $494 | $416 | $1,340 |
| 2022 Chevrolet Equinox | $262 | $474 | $430 | $1,324 |
| 2021 Chevrolet Equinox | $248 | $458 | $442 | $1,306 |
| 2020 Chevrolet Equinox | $238 | $424 | $452 | $1,272 |
| 2019 Chevrolet Equinox | $230 | $400 | $456 | $1,244 |
| 2018 Chevrolet Equinox | $220 | $358 | $460 | $1,196 |
| 2017 Chevrolet Equinox | $206 | $330 | $460 | $1,154 |
| 2016 Chevrolet Equinox | $198 | $310 | $464 | $1,130 |
| 2015 Chevrolet Equinox | $194 | $288 | $474 | $1,114 |
| 2014 Chevrolet Equinox | $180 | $268 | $474 | $1,080 |
| 2013 Chevrolet Equinox | $174 | $244 | $478 | $1,054 |
| 2012 Chevrolet Equinox | $162 | $222 | $474 | $1,016 |
| 2011 Chevrolet Equinox | $152 | $202 | $474 | $986 |
| 2010 Chevrolet Equinox | $148 | $182 | $468 | $956 |
| 2009 Chevrolet Equinox | $146 | $178 | $460 | $942 |
| 2008 Chevrolet Equinox | $144 | $168 | $452 | $922 |
| 2007 Chevrolet Equinox | $132 | $160 | $446 | $896 |
| 2006 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
Saving money on auto insurance consists of having a good driving record, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
The next list is a condensed summary of the concepts that were touched on in this article.
- Drivers with multiple at-fault accidents will pay on average $1,560 more each year to buy Chevrolet Equinox insurance
- Drivers age 20 and younger are expensive to insure, costing as high as $422 per month if full coverage is included
- Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $500 each year
- Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
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 | $5,062 |
| 20 | $3,098 |
| 30 | $1,396 |
| 40 | $1,340 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,522 |
| $500 | $1,340 |
| $1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,340 |
| 50/100 | $1,505 |
| 100/300 | $1,609 |
| 250/500 | $1,880 |
| 100 CSL | $1,547 |
| 300 CSL | $1,776 |
| 500 CSL | $1,942 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,210 |
| 20 | $4,936 |
| 30 | $2,964 |
| 40 | $2,904 |
| 50 | $2,772 |
| 60 | $2,746 |
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 | $71 |
| Homeowner | $20 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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