Chevrolet Equinox Insurance Rates

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UPDATED: Jun 7, 2023

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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.

U.S. average insurance rates for a Chevrolet Equinox are $1,344 a year including full coverage. Comprehensive costs on average $282 each year, collision costs $506, and liability insurance is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing around $2,908. Teenage drivers pay the highest rates at $5,040 a year or more.

Average premium for full coverage: $1,344

Price estimates by individual coverage:

Comprehensive $282
Collision $506
Liability $398

Prices include $500 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Equinox models.

Price Range from Low to High

For a 40-year-old driver, Chevrolet Equinox insurance prices go from as low as $460 for just liability coverage to a high rate of $2,908 for a policy for a high-risk driver.

Liability Only $460
Full Coverage $1,344
High Risk $2,908

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change car insurance rates.

Rural Areas $1,008
Small Cities $1,411
Large Cities $1,814

The ranges above highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on 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.

Detailed Rate Analysis

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

  • The best discount rate is $777
  • Raising to $1,000 deductibles will save around $178 every year
  • The average rate for the average middle-age driver with $500 deductibles is $1,344
  • Using low deductibles will increase the cost to $1,692
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,908 or more
  • The price for full coverage for a teen driver may cost $5,040

View Chart as Image

Chevrolet Equinox insurance cost comparison chart
Column chart showing full coverage Chevrolet Equinox insurance rates range from $777 to $5,040

Insurance prices for a Chevrolet Equinox are also quite variable based on your driving record, the model of your Equinox, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

The state you live in also has a big influence on Chevrolet Equinox insurance rates. A middle-age driver might find prices as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,920 on average in Michigan, New York, and Louisiana.

Chevrolet Equinox Insurance Rates by State
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%

View Chart as Image

Chevrolet Equinox insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $530 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices may be quite 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 $1,304 $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.

Chevrolet Equinox Insurance Rates by Model Year
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 the Right Chevrolet Equinox Insurance

Getting lower rates on Chevrolet Equinox insurance consists of not taking risks behind the wheel, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around every year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a quick rundown of the coverage data illustrated above.

  • You may be able to save as much as $160 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save around $525 each year
  • Teens pay higher prices, possibly costing $420 a month including comprehensive and collision insurance
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,560 more each year for Equinox 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.

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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

  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 $5,040
20 $3,108
30 $1,404
40 $1,344
50 $1,230
60 $1,206

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Equinox Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,692
$250 $1,530
$500 $1,344
$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 $1,344
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

Chevrolet Equinox Insurance 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.

SR-22 Surcharge $186

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
Rate after discounts $777

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

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