Chevrolet Equinox Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 6, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Average insurance rates for a Chevrolet Equinox are $1,340 a year for full coverage. Comprehensive costs on average $272 a year, collision costs $494, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $2,904. Teen 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:

Comprehensive $272
Collision $494
Liability $416

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Equinox trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $474 for only liability insurance to a high of $2,904 for a high risk driver.

Liability Only $474
Full Coverage $1,340
High Risk $2,904

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,005
Small Cities $1,407
Large Cities $1,809

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Chevrolet Equinox insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $774
  • Drivers who choose higher $1,000 deductibles will pay around $1,166 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,340
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,678
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,904 or more
  • The cost for full coverage for a teen driver may cost $5,062 a year

View Chart as Image

Chevrolet Equinox insurance cost comparison chart
Column chart showing full coverage Chevrolet Equinox insurance rates range from $774 to $5,062

for a Chevrolet Equinox can also vary considerably based on your driver profile, the trim level of your Equinox, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,000 a year. View Rates by Age

Where you live makes a big difference in Chevrolet Equinox insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,910 on average in Michigan, Louisiana, and New York.

Chevrolet Equinox Insurance Rates by State
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%

View Chart as Image

Chevrolet Equinox insurance rates by U.S. city

Choosing high deductibles could save up to $520 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 . 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 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,300 $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 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.

Chevrolet Equinox Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Chevrolet Equinox $272 $494 $416 $1,340
2018 Chevrolet Equinox $262 $474 $430 $1,324
2017 Chevrolet Equinox $248 $458 $442 $1,306
2016 Chevrolet Equinox $238 $424 $452 $1,272
2015 Chevrolet Equinox $230 $400 $456 $1,244
2014 Chevrolet Equinox $220 $358 $460 $1,196
2013 Chevrolet Equinox $206 $330 $460 $1,154
2012 Chevrolet Equinox $198 $310 $464 $1,130
2011 Chevrolet Equinox $194 $288 $474 $1,114
2010 Chevrolet Equinox $180 $268 $474 $1,080
2009 Chevrolet Equinox $174 $244 $478 $1,054
2008 Chevrolet Equinox $162 $222 $474 $1,016
2007 Chevrolet Equinox $152 $202 $474 $986
2006 Chevrolet Equinox $148 $182 $468 $956
2005 Chevrolet Equinox $146 $178 $460 $942

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 Chevrolet Equinox insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $460 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $422 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,560 more each year for insurance

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $5,062
20 $3,098
30 $1,396
40 $1,340
50 $1,226
60 $1,202

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Equinox Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,678
$250 $1,522
$500 $1,340
$1,000 $1,166

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Equinox Insurance Rates with Different Liability Limits
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

Chevrolet Equinox Insurance 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.

SR-22 Surcharge $187

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
Rate after discounts $774

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles