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How Much Does Insurance Cost for a Chevrolet Equinox in Montana?

Enter your Montana 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 ...

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UPDATED: Nov 17, 2019

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Since we’re writing about auto insurance, the word affordable shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Unfortunately, cheap car insurance for a Chevrolet Equinox can be hard to find. But fear not, because we are going to show you how you can still find auto insurance that fits into your budget.

Your chances of buying cheaper coverage for a Chevrolet Equinox in Montana relies on many factors such as your date of birth, whether or not you have prior claims, and blemishes on your driving record. Drivers in Montana pay on average $1,860 every 12 months to buy insurance for a Chevrolet Equinox, but that policy rate is a projection calculated based on a 30-year-old single male who purchased full coverage including both comprehensive and collision and $500 policy deductibles.

When projecting a rate like this, the problem is that you are not a 30-year-old male, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. What seems to be a minor change in rating factors or requested coverage amount can cause big changes in the policy rate.

Every driver has different characteristics, so the most reliable way to find the most affordable coverage for your Chevrolet is to comparison shop your policy at every renewal or at least every couple of years.

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

The specific trim level will have an impact the cost of insurance, so the price you will pay to insure a Equinox LS 2WD model will be $164 less than the price to insure the higher-end Equinox LTZ AWD model, as shown in the chart below.

Chevrolet Equinox Insurance Rates in Montana
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $414 $608 $760 $44 $228 $2,054 $171
Equinox LT 2WD $414 $608 $760 $44 $228 $2,054 $171
Equinox LS AWD $414 $608 $760 $44 $228 $2,054 $171
Equinox LT AWD $414 $608 $760 $44 $228 $2,054 $171
Equinox LTZ 2WD $468 $718 $760 $44 $228 $2,218 $185
Equinox LTZ AWD $468 $718 $760 $44 $228 $2,218 $185
Equinox LTZ AWD $468 $718 $760 $44 $228 $2,218 $185
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in zip code location which can lower or raise coverage prices substantially.

Choosing a highly-rated insurance provider is hard considering how many choices drivers have in Montana. The information listed below can help you analyze which companies you want to consider when comparing auto insurance rates for a Chevrolet Equinox.

The rankings below include companies that insure vehicles nationwide, so companies with more of a regional focus are not included in the list. To view rates from many more Montana auto insurance companies, click this link.

Top 10 Major Auto Insurance Companies in Montana Ranked by Customer Satisfaction

  1. USAA – 94%
  2. AAA Insurance – 91%
  3. Nationwide – 90%
  4. State Farm – 90%
  5. GEICO – 89%
  6. The Hartford – 89%
  7. The General – 88%
  8. Allstate – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

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Top 10 Major Auto Insurance Companies in Montana Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Liberty Mutual
  5. Progressive
  6. GEICO
  7. Allstate
  8. The Hartford
  9. The General
  10. Farmers Insurance

Top Companies for Chevrolet Equinox Insurance in Montana

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

Comparison of full coverage and liability-only policies

Finding cheap insurance for a Chevrolet Equinox in Montana is important to the majority of drivers, and one good way to buy cheaper insurance is to buy liability only. The example below shows the difference between annual premium costs with and without full coverage. The premiums are based on no accidents or driving violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

Averaged for all age groups, comp and collision coverage costs $3,923 per year more than insuring for liability only. That may make you wonder when is it a good idea to stop buying full coverage. There is no set guideline of when to exclude physical damage coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.

Which car insurance company is best?

If you want reliable insurance for an Equinox in Montana, the first places to look would be Allstate, Geico, Progressive, and State Farm. When combined, they insure nearly half of all auto insurance written. The data below breaks down some of the different options that you can purchase from each one.

Top U.S. Car Insurance Company Ratings
Allstate Geico Progressive State Farm
Claims Service 1st 3rd 4th 2nd
Overall Satisfaction 2nd 1st 3rd 4th
Price Rank 4th 1st 3rd 2nd
Discounts Available 1st 2nd 4th 3rd
U.S. market share 10% 11.4% 8.8% 18.3%
Accident forgiveness coverage Yes Yes Yes No
New car replacement Yes No No No
Emergency roadside assistance Yes Yes Yes Yes
Mechnical breakdown No Yes Yes No
Coverage for ridesharing Yes Yes Yes Yes
Usage-based insurance Yes No Yes Yes
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