Chevrolet Equinox Insurance Rates
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UPDATED: Jun 7, 2023
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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.
Estimated insurance rates for a Chevrolet Equinox are $1,354 a year with full coverage. Comprehensive costs approximately $294, collision costs $512, and liability insurance is estimated at $390. Liability-only insurance costs approximately $452 a year, with high-risk driver insurance costing around $2,918. Teenage drivers pay the most at $5,032 a year or more.
Average premium for full coverage: $1,354
Premium estimates by type of coverage:
Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Equinox trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Chevrolet Equinox go from the low end price of $452 for just liability coverage to a much higher rate of $2,918 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.
The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes using their specific location, 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 details estimated Chevrolet Equinox insurance rates for additional coverage and risk scenarios.
- The best discount rate is $783
- Choosing higher $1,000 deductibles can save $184 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,354
- Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,706
- High-risk insureds who are prone to accidents and violations could pay around $2,918 or more
- An auto insurance policy that insures a teen driver with full coverage can cost $5,032 each year
Insurance prices for a Chevrolet Equinox also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Chevrolet Equinox insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,830 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles can save as much as $540 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices will be substantially different.
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 the Cheapest Chevrolet Equinox Insurance
Finding better rates on Chevrolet Equinox insurance takes being safe and accident-free, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices at least every other year by requesting quotes from direct companies, and also from local insurance agencies.
Below you'll find a recap of the car insurance concepts touched on in this article.
- High-risk drivers that have major violations or accidents may have to pay on average $1,560 more per year than a low-risk driver
- You may be able to save around $160 per year simply by shopping early and online
- Increasing policy deductibles can save approximately $525 each year
- Drivers who purchase more liability protection will pay an extra $430 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
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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