How Much Does Insurance Cost for a Chevrolet Equinox in New Jersey?

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 1, 2021

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Our staff writers always rib each other than when writing about car insurance, the words “cheap” or “affordable” should never be used anywhere in the article to describe car insurance rates. Forgive the oxymoron, but cheap auto insurance for a Chevrolet Equinox can be hard to find. Don’t let that spoil your day, because we are going to show you some ways you can get car insurance that is more affordable.

Your chances of finding cheaper auto insurance for a Chevrolet Equinox in New Jersey is contingent on a lot of things like whether you are married, if you have ever had a coverage lapse, and if you have any chargeable driving offenses. New Jersey drivers on average will pay $1,210 a year to buy insurance for a Chevrolet Equinox, but that figure is an approximation based on rate data for a 50-year-old single male driver who requires full comprehensive and collision coverage and $1,000 physical damage deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not a 50-year-old male, possibly married instead of single, or maybe you have a violation on your driving record. Having just a slight change in rating criteria can create big changes in the policy cost.

There is no perfect policy for every driver, so the most reliable method for finding the cheapest insurance price for your Chevrolet is to put in the effort and compare rates. To cut your rates now, get a free quote and you will receive rate quotes from some of the best companies that offer coverage in New Jersey.

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

Vehicle trim level tends to impact the yearly cost, so the rate you pay to insure a Equinox LS 2WD trim level will be $96 less than the insurance cost for the fancier Equinox LTZ AWD trim level, as shown below.

Chevrolet Equinox Insurance Rates in New Jersey
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $198 $406 $544 $32 $162 $1,342 $112
Equinox LT 2WD $198 $406 $544 $32 $162 $1,342 $112
Equinox LS AWD $198 $406 $544 $32 $162 $1,342 $112
Equinox LT AWD $198 $406 $544 $32 $162 $1,342 $112
Equinox LTZ 2WD $222 $478 $544 $32 $162 $1,438 $120
Equinox LTZ AWD $222 $478 $544 $32 $162 $1,438 $120
Equinox LTZ AWD $222 $478 $544 $32 $162 $1,438 $120
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific garaging location which can alter coverage rates greatly.

Choosing a good quality insurance provider can be rather challenging considering how many different companies sell coverage in New Jersey. The company rank data in the next section can help you select which auto insurers you want to consider when shopping insurance around for a Chevrolet Equinox.

These rankings only include the largest auto insurers in America, so companies that have a smaller presence will not be included in this list. To check rates and find cheaper insurance for a Chevrolet Equinox, follow this link.

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Top 10 Major Auto Insurance Providers in New Jersey Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. State Farm
  5. GEICO
  6. Nationwide
  7. Allstate
  8. The Hartford
  9. 21st Century
  10. Farmers Insurance

Top 10 Major Auto Insurance Providers in New Jersey Ranked by Customer Satisfaction

  1. The Hartford – 93%
  2. Progressive – 90%
  3. 21st Century – 89%
  4. Mercury Insurance – 87%
  5. Travelers – 87%
  6. State Farm – 87%
  7. USAA – 87%
  8. Safeco Insurance – 86%
  9. AAA Insurance – 86%
  10. GEICO – 85%

Top Companies for Chevrolet Equinox Insurance in New Jersey

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Discounts on cheap insurance for a Chevrolet Equinox in New Jersey

Cheaper New Jersey insurance for an EquinoxAuto insurance companies that provide policies for a Chevrolet Equinox may also give you price discounts that can lower rates by as much as 40% or more if you are eligible to receive them. A list of insurance companies and some of the premium reductions they offer are included below.

  • GEICO offers discounts including seat belt use, multi-vehicle, federal employee, membership and employees, military active duty, good student, and air bags.
  • MetLife discounts include good student, multi-policy, claim-free, good driver, and accident-free.
  • Progressive offers premium reductions for good student, online quote discount, continuous coverage, multi-vehicle, online signing, and multi-policy.
  • Travelers has savings for IntelliDrive, student away at school, payment discounts, driver training, multi-policy, and early quote.
  • SAFECO has discounts for bundle discounts, teen safe driver, anti-theft, drive less, and homeowner.
  • AAA may offer discounts for pay-in-full, AAA membership discount, multi-car, education and occupation, multi-policy, and good student.

The illustration below compares insurance costs with and without some available policy discounts. The data assumes a male driver, no accidents or driving violations, New Jersey state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, accident-free, claim-free, passive restraint, anti-theft, and defensive driving course discounts applied. When these discounts are applied, the average yearly reduction on insurance for a Chevrolet Equinox is 28% or $900.

Which major car insurance company is best?

If you want reliable insurance for an Equinox in New Jersey, four of the best places to start are Progressive, Geico, Allstate, and State Farm. All four can cover your vehicle for liability and physical damage, but each one has a slightly different mix of options and features that may steer you one way or another. The following table compares and contrasts pricing and service ratings, as well as optional policy coverages that you can purchase from each one.

Comparison of Top Four U.S. Auto Insurance Companies
Progressive Geico Allstate State Farm
Claims Handling 4th 3rd 1st 2nd
Discounts Offered 4th 2nd 1st 3rd
Client Satisfaction 3rd 1st 2nd 4th
Price Rank 3rd 1st 4th 2nd
U.S. market share 8.8% 11.4% 10% 18.3%
New car replacement insurance No No Yes No
Rideshare coverage Yes Yes Yes Yes
Usage-based insurance Yes No Yes Yes
Emergency roadside service Yes Yes Yes Yes
Mechnical breakdown Yes Yes No No
Accident forgiveness Yes Yes Yes No
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