Chevrolet Equinox Insurance Rates
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UPDATED: Jun 6, 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.
The average auto insurance rates for a Chevrolet Equinox are $1,306 annually for full coverage. Comprehensive insurance costs on average $248, collision insurance costs $458, and liability coverage is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $2,836 or more. Teens cost the most to insure at up to $5,006 a year.
Average premium for full coverage: $1,306
Policy rates by type of insurance:
Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Equinox trim levels.
Price Range Variability
Using a middle-aged driver as an example, Chevrolet Equinox insurance rates range from as cheap as $496 for the bare minimum liability coverage to a much higher rate of $2,836 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how where you live affects car insurance rates.
The examples above show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than using averaged prices.
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.
Additional Rate Information
The chart below shows average Chevrolet Equinox insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $756
- Choosing higher $1,000 deductibles can save around $162 a year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,306
- Selecting more expensive low deductibles for comp and collision coverage costs an additional $312 each year
- Drivers with serious driving violations could pay upwards of $2,836
- Policy cost with full coverage for a teenage driver with full coverage may cost $5,006 each year
Car insurance rates for a Chevrolet Equinox also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $5,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges around 44% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $480 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Chevrolet Equinox insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,870 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,182 | -$124 | -9.5% |
Alaska | $1,002 | -$304 | -23.3% |
Arizona | $1,086 | -$220 | -16.8% |
Arkansas | $1,306 | -$0 | 0.0% |
California | $1,488 | $182 | 13.9% |
Colorado | $1,248 | -$58 | -4.4% |
Connecticut | $1,344 | $38 | 2.9% |
Delaware | $1,478 | $172 | 13.2% |
Florida | $1,634 | $328 | 25.1% |
Georgia | $1,206 | -$100 | -7.7% |
Hawaii | $938 | -$368 | -28.2% |
Idaho | $884 | -$422 | -32.3% |
Illinois | $972 | -$334 | -25.6% |
Indiana | $984 | -$322 | -24.7% |
Iowa | $880 | -$426 | -32.6% |
Kansas | $1,242 | -$64 | -4.9% |
Kentucky | $1,782 | $476 | 36.4% |
Louisiana | $1,936 | $630 | 48.2% |
Maine | $806 | -$500 | -38.3% |
Maryland | $1,078 | -$228 | -17.5% |
Massachusetts | $1,046 | -$260 | -19.9% |
Michigan | $2,270 | $964 | 73.8% |
Minnesota | $1,092 | -$214 | -16.4% |
Mississippi | $1,566 | $260 | 19.9% |
Missouri | $1,158 | -$148 | -11.3% |
Montana | $1,404 | $98 | 7.5% |
Nebraska | $1,030 | -$276 | -21.1% |
Nevada | $1,566 | $260 | 19.9% |
New Hampshire | $940 | -$366 | -28.0% |
New Jersey | $1,462 | $156 | 11.9% |
New Mexico | $1,158 | -$148 | -11.3% |
New York | $1,378 | $72 | 5.5% |
North Carolina | $752 | -$554 | -42.4% |
North Dakota | $1,070 | -$236 | -18.1% |
Ohio | $904 | -$402 | -30.8% |
Oklahoma | $1,342 | $36 | 2.8% |
Oregon | $1,198 | -$108 | -8.3% |
Pennsylvania | $1,246 | -$60 | -4.6% |
Rhode Island | $1,744 | $438 | 33.5% |
South Carolina | $1,182 | -$124 | -9.5% |
South Dakota | $1,104 | -$202 | -15.5% |
Tennessee | $1,146 | -$160 | -12.3% |
Texas | $1,574 | $268 | 20.5% |
Utah | $968 | -$338 | -25.9% |
Vermont | $894 | -$412 | -31.5% |
Virginia | $782 | -$524 | -40.1% |
Washington | $1,012 | -$294 | -22.5% |
West Virginia | $1,198 | -$108 | -8.3% |
Wisconsin | $904 | -$402 | -30.8% |
Wyoming | $1,166 | -$140 | -10.7% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Chevrolet Equinox LS 2WD | $1,268 | $106 |
Chevrolet Equinox LT 2WD | $1,268 | $106 |
Chevrolet Equinox LS AWD | $1,306 | $109 |
Chevrolet Equinox LT AWD | $1,306 | $109 |
Chevrolet Equinox LTZ 2WD | $1,382 | $115 |
Chevrolet Equinox LTZ AWD | $1,382 | $115 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
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 Buy Affordable Chevrolet Equinox Insurance
Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The following is a brief review of the ideas that were touched on in the above illustrations.
- Teens are expensive to insure, costing up to $417 each month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may be required to pay an average of $1,530 more each year for Equinox insurance
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Drivers can save as much as $160 per year just by shopping early and online
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 | $5,006 |
20 | $3,026 |
30 | $1,354 |
40 | $1,306 |
50 | $1,194 |
60 | $1,172 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,618 |
$250 | $1,474 |
$500 | $1,306 |
$1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,306 |
50/100 | $1,470 |
100/300 | $1,581 |
250/500 | $1,868 |
100 CSL | $1,515 |
300 CSL | $1,758 |
500 CSL | $1,935 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,120 |
20 | $4,824 |
30 | $2,886 |
40 | $2,836 |
50 | $2,708 |
60 | $2,684 |
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 | $69 |
Multi-vehicle | $70 |
Homeowner | $20 |
5-yr Accident Free | $94 |
5-yr Claim Free | $84 |
Paid in Full/EFT | $57 |
Advance Quote | $64 |
Online Quote | $92 |
Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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