Find Cheaper Chevrolet Equinox Insurance Rates in New Jersey

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 12, 2023

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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

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

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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Frequently Asked Questions

How can I find cheaper insurance rates for my Chevrolet Equinox?

To find cheaper insurance rates for your Chevrolet Equinox, you can follow these steps:

  1. Compare insurance quotes: Obtain quotes from multiple insurance providers to compare rates and coverage options. This will help you identify the most affordable options for your Chevrolet Equinox.
  2. Maintain a good driving record: A clean driving record with no accidents or traffic violations can often lead to lower insurance premiums. Safe driving habits can help you secure cheaper insurance rates.
  3. Increase your deductibles: Opting for higher deductibles means you’ll have to pay more out of pocket in the event of a claim, but it can also lower your insurance premiums.
  4. Explore discounts: Many insurance companies offer various discounts that can help you save money on your Chevrolet Equinox insurance. These discounts may include safe driver discounts, multi-policy discounts, or discounts for safety features installed in your vehicle.
  5. Consider usage-based insurance: Some insurance companies offer usage-based insurance programs where your premium is based on your driving habits. If you are a safe driver, this can result in lower insurance rates.
  6. Bundle your policies: If you have multiple insurance needs, such as home or renters insurance, consider bundling them with the same provider. Insurance companies often provide discounts for bundling multiple policies.

Are there any specific factors that affect Chevrolet Equinox insurance rates?

Yes, several factors can affect Chevrolet Equinox insurance rates. Here are a few important ones:

  • Vehicle’s value and repair costs: The value of your Chevrolet Equinox and the cost of its repairs will influence your insurance premiums. Higher-value vehicles and those with expensive repair parts may have higher insurance rates.
  • Safety features: The presence of safety features in your Chevrolet Equinox, such as anti-lock brakes, airbags, and electronic stability control, can lead to lower insurance premiums.
  • Driving history: Your driving history, including any accidents, traffic violations, or claims, can impact your insurance rates. Drivers with a history of accidents or violations may face higher premiums.
  • Location: The area where you live can affect insurance rates. If you reside in an area with high traffic congestion or a high crime rate, your insurance premiums may be higher.
  • Age and driving experience: Young and inexperienced drivers generally face higher insurance rates. As you gain more driving experience and reach certain age milestones, your premiums may decrease.
  • Insurance coverage and deductibles: The level of coverage you choose and the deductibles you select will impact your insurance premiums. More comprehensive coverage and lower deductibles typically lead to higher premiums.

Should I consider specific insurance providers for cheaper Chevrolet Equinox insurance?

The affordability of insurance can vary between providers, so it’s recommended to compare quotes from multiple insurance companies. Some insurance providers may specialize in offering competitive rates for Chevrolet Equinox insurance, while others may have discounts or unique features that make them more cost-effective. It’s a good practice to research and obtain quotes from various insurers to find the best option for your specific needs and budget.

How can I save on Chevrolet Equinox insurance without compromising coverage?

Here are some tips to save on Chevrolet Equinox insurance while maintaining adequate coverage:

  • Shop around for quotes: Obtain quotes from different insurance providers to compare rates and coverage options. This allows you to find the best balance between affordability and coverage.
  • Opt for higher deductibles: Increasing your deductibles can lower your premiums. Ensure that the deductible amount is affordable for you in case you need to file a claim.
  • Take advantage of discounts: Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features in your Chevrolet Equinox. These can help reduce your insurance costs.
  • Bundle your policies: If you have other insurance needs, consider bundling them with the same provider. This can lead to discounts on your overall insurance premiums.
  • Maintain a good driving record: Avoid accidents and traffic violations to maintain a clean driving record. Safe driving habits can help you secure lower insurance rates.
  • Review your coverage regularly: Periodically assess your insurance coverage to ensure it aligns with your needs. Removing unnecessary coverage or adjusting limits can help save on premiums.

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