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.
U.S. average insurance rates for a Chevrolet Equinox are $1,354 a year for full coverage. Comprehensive costs on average $294 each year, collision insurance costs $512, and liability costs $390. Liability-only insurance costs as little as $452 a year, and high-risk driver insurance costs around $2,918. Teen drivers pay the highest rates at up to $5,032 a year.
Average premium for full coverage: $1,354
Price estimates by individual coverage:
Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Equinox models.
Price Range from Low to High
Using a middle-aged driver as an example, Chevrolet Equinox insurance prices range from the low end price of $452 for a discount liability-only rate to a high rate of $2,918 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.
The ranges above show why all drivers should compare rates based on a specific location, instead of making a decision based 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.
Rates by State, City, and Model
The chart below shows average Chevrolet Equinox insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $783
- Drivers who choose higher $1,000 deductibles will pay around $184 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,354
- Choosing low deductibles for comprehensive and collision insurance bumps up the cost to $1,706
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,918
- The price that insures a 16-year-old driver may cost $5,032 a year
Car insurance prices for a Chevrolet Equinox are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 132% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age
The state you live in makes a big difference in Chevrolet Equinox insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,930 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could save up to $540 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. 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 | $1,310 | $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.
| 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 Find Affordable Chevrolet Equinox Insurance
Getting lower rates on insurance for a Chevrolet Equinox not only requires being a safe and courteous driver, but also having a positive credit history, eliminating unnecessary coverage, and possibly raising deductibles. Shop around every other policy renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.
Below is a brief review of the ideas that were touched on in the above illustrations.
- Teenage drivers are expensive to insure, with premiums as much as $419 a month if full coverage is purchased
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,560 more each year for auto insurance
- Increasing physical damage deductibles can save approximately $525 each year
- Drivers can save as much as $160 per year just by quoting online in advance
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 | $5,032 |
| 20 | $3,112 |
| 30 | $1,410 |
| 40 | $1,354 |
| 50 | $1,236 |
| 60 | $1,210 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,706 |
| $250 | $1,544 |
| $500 | $1,354 |
| $1,000 | $1,170 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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