Chevrolet Equinox Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 24, 2024
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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.
U.S. average insurance rates for a Chevrolet Equinox are $1,340 a year including full coverage. Comprehensive insurance costs on average $272 each year, collision costs $494, and liability is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing $2,904 or more. Teen drivers pay the highest rates at $5,062 a year or more.
Average premium for full coverage: $1,340
Price estimates by individual coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Equinox models.
Price Range from Low to High
Using a 40-year-old driver as an example, Chevrolet Equinox insurance prices go from as low as $474 for just liability coverage to a high rate of $2,904 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects car insurance rates.
The ranges above highlight why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.
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 breaks down estimated Chevrolet Equinox insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $774
- Raising to $1,000 deductibles will save around $174 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,340
- Choosing low deductibles will cost an extra $338 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,904 or more
- The price for full coverage for a 16-year-old driver may cost $5,062
Insurance prices for a Chevrolet Equinox are also quite variable based on your driving record, the model of your Equinox, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age
The state you live in also has a big influence on Chevrolet Equinox insurance prices. A middle-age driver might find prices as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,910 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,212 | -$128 | -9.6% |
| Alaska | $1,030 | -$310 | -23.1% |
| Arizona | $1,114 | -$226 | -16.9% |
| Arkansas | $1,340 | -$0 | 0.0% |
| California | $1,528 | $188 | 14.0% |
| Colorado | $1,282 | -$58 | -4.3% |
| Connecticut | $1,380 | $40 | 3.0% |
| Delaware | $1,518 | $178 | 13.3% |
| Florida | $1,678 | $338 | 25.2% |
| Georgia | $1,238 | -$102 | -7.6% |
| Hawaii | $964 | -$376 | -28.1% |
| Idaho | $908 | -$432 | -32.2% |
| Illinois | $998 | -$342 | -25.5% |
| Indiana | $1,010 | -$330 | -24.6% |
| Iowa | $906 | -$434 | -32.4% |
| Kansas | $1,276 | -$64 | -4.8% |
| Kentucky | $1,830 | $490 | 36.6% |
| Louisiana | $1,984 | $644 | 48.1% |
| Maine | $828 | -$512 | -38.2% |
| Maryland | $1,106 | -$234 | -17.5% |
| Massachusetts | $1,074 | -$266 | -19.9% |
| Michigan | $2,328 | $988 | 73.7% |
| Minnesota | $1,122 | -$218 | -16.3% |
| Mississippi | $1,606 | $266 | 19.9% |
| Missouri | $1,192 | -$148 | -11.0% |
| Montana | $1,442 | $102 | 7.6% |
| Nebraska | $1,058 | -$282 | -21.0% |
| Nevada | $1,608 | $268 | 20.0% |
| New Hampshire | $966 | -$374 | -27.9% |
| New Jersey | $1,498 | $158 | 11.8% |
| New Mexico | $1,186 | -$154 | -11.5% |
| New York | $1,412 | $72 | 5.4% |
| North Carolina | $772 | -$568 | -42.4% |
| North Dakota | $1,096 | -$244 | -18.2% |
| Ohio | $928 | -$412 | -30.7% |
| Oklahoma | $1,378 | $38 | 2.8% |
| Oregon | $1,230 | -$110 | -8.2% |
| Pennsylvania | $1,280 | -$60 | -4.5% |
| Rhode Island | $1,788 | $448 | 33.4% |
| South Carolina | $1,214 | -$126 | -9.4% |
| South Dakota | $1,134 | -$206 | -15.4% |
| Tennessee | $1,174 | -$166 | -12.4% |
| Texas | $1,618 | $278 | 20.7% |
| Utah | $994 | -$346 | -25.8% |
| Vermont | $918 | -$422 | -31.5% |
| Virginia | $804 | -$536 | -40.0% |
| Washington | $1,038 | -$302 | -22.5% |
| West Virginia | $1,230 | -$110 | -8.2% |
| Wisconsin | $928 | -$412 | -30.7% |
| Wyoming | $1,194 | -$146 | -10.9% |
Choosing high deductibles can reduce prices by up to $520 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 133% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Equinox LS 2WD | $1,300 | $108 |
| Chevrolet Equinox LT 2WD | $1,300 | $108 |
| Chevrolet Equinox LS AWD | $1,340 | $112 |
| Chevrolet Equinox LT AWD | $1,340 | $112 |
| Chevrolet Equinox LTZ 2WD | $1,422 | $119 |
| Chevrolet Equinox LTZ AWD | $1,422 | $119 |
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 | $282 | $506 | $398 | $1,344 |
| 2023 Chevrolet Equinox | $272 | $494 | $416 | $1,340 |
| 2022 Chevrolet Equinox | $262 | $474 | $430 | $1,324 |
| 2021 Chevrolet Equinox | $248 | $458 | $442 | $1,306 |
| 2020 Chevrolet Equinox | $238 | $424 | $452 | $1,272 |
| 2019 Chevrolet Equinox | $230 | $400 | $456 | $1,244 |
| 2018 Chevrolet Equinox | $220 | $358 | $460 | $1,196 |
| 2017 Chevrolet Equinox | $206 | $330 | $460 | $1,154 |
| 2016 Chevrolet Equinox | $198 | $310 | $464 | $1,130 |
| 2015 Chevrolet Equinox | $194 | $288 | $474 | $1,114 |
| 2014 Chevrolet Equinox | $180 | $268 | $474 | $1,080 |
| 2013 Chevrolet Equinox | $174 | $244 | $478 | $1,054 |
| 2012 Chevrolet Equinox | $162 | $222 | $474 | $1,016 |
| 2011 Chevrolet Equinox | $152 | $202 | $474 | $986 |
| 2010 Chevrolet Equinox | $148 | $182 | $468 | $956 |
| 2009 Chevrolet Equinox | $146 | $178 | $460 | $942 |
| 2008 Chevrolet Equinox | $144 | $168 | $452 | $922 |
| 2007 Chevrolet Equinox | $132 | $160 | $446 | $896 |
| 2006 Chevrolet Equinox | $126 | $152 | $442 | $878 |
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 Cheap Chevrolet Equinox Insurance
Getting lower rates on insurance for a Chevrolet Equinox consists of being a good driver, having a good credit history, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around once a year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a brief summary of the data that was raised in the charts and tables above.
- You may be able to save as much as $160 per year simply by quoting online in advance
- Insureds who require an increased level of liability coverage will pay about $460 per year to raise from a low limit to 250/500 limits
- Drivers age 16 to 20 pay higher prices, possibly costing $422 a month including comprehensive and collision insurance
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,560 more each year than a safer driver
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 | $5,062 |
| 20 | $3,098 |
| 30 | $1,396 |
| 40 | $1,340 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,522 |
| $500 | $1,340 |
| $1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,340 |
| 50/100 | $1,505 |
| 100/300 | $1,609 |
| 250/500 | $1,880 |
| 100 CSL | $1,547 |
| 300 CSL | $1,776 |
| 500 CSL | $1,942 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,210 |
| 20 | $4,936 |
| 30 | $2,964 |
| 40 | $2,904 |
| 50 | $2,772 |
| 60 | $2,746 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $20 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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