Chevrolet Equinox EV Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Chevrolet Equinox EV are $1,424 annually for full coverage insurance. Comprehensive costs around $332, collision costs $536, and liability coverage is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing around $3,064. Teenage drivers cost the most to insure at $5,232 a year or more.
Average premium for full coverage: $1,424
Policy rates for type of insurance:
Full coverage includes $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Equinox EV trim levels.
Price Range Variability
For an average driver, Chevrolet Equinox EV insurance rates go from as cheap as $460 for just liability insurance to a much higher rate of $3,064 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than using average rates.
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.
More Rate Details
The chart below illustrates estimated Chevrolet Equinox EV insurance rates for additional coverage choices and driver risks.
- The best discount rate is $824
- Raising to $1,000 deductibles will save about $198 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,424
- Using more expensive low deductibles will cost $1,804
- Unlucky drivers who are prone to accidents and violations could pay at least $3,064 or more
- Policy cost with full coverage for a teenage driver with full coverage can be $5,232
Insurance rates for a Chevrolet Equinox EV also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $580 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Chevrolet Equinox EV insurance rates. A middle-age driver might find rates as low as $930 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,920 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,288 | -$136 | -9.6% |
| Alaska | $1,094 | -$330 | -23.2% |
| Arizona | $1,184 | -$240 | -16.9% |
| Arkansas | $1,424 | -$0 | 0.0% |
| California | $1,624 | $200 | 14.0% |
| Colorado | $1,360 | -$64 | -4.5% |
| Connecticut | $1,466 | $42 | 2.9% |
| Delaware | $1,614 | $190 | 13.3% |
| Florida | $1,782 | $358 | 25.1% |
| Georgia | $1,316 | -$108 | -7.6% |
| Hawaii | $1,024 | -$400 | -28.1% |
| Idaho | $964 | -$460 | -32.3% |
| Illinois | $1,064 | -$360 | -25.3% |
| Indiana | $1,072 | -$352 | -24.7% |
| Iowa | $962 | -$462 | -32.4% |
| Kansas | $1,356 | -$68 | -4.8% |
| Kentucky | $1,944 | $520 | 36.5% |
| Louisiana | $2,110 | $686 | 48.2% |
| Maine | $880 | -$544 | -38.2% |
| Maryland | $1,174 | -$250 | -17.6% |
| Massachusetts | $1,140 | -$284 | -19.9% |
| Michigan | $2,476 | $1,052 | 73.9% |
| Minnesota | $1,194 | -$230 | -16.2% |
| Mississippi | $1,708 | $284 | 19.9% |
| Missouri | $1,264 | -$160 | -11.2% |
| Montana | $1,530 | $106 | 7.4% |
| Nebraska | $1,124 | -$300 | -21.1% |
| Nevada | $1,710 | $286 | 20.1% |
| New Hampshire | $1,028 | -$396 | -27.8% |
| New Jersey | $1,594 | $170 | 11.9% |
| New Mexico | $1,264 | -$160 | -11.2% |
| New York | $1,502 | $78 | 5.5% |
| North Carolina | $820 | -$604 | -42.4% |
| North Dakota | $1,168 | -$256 | -18.0% |
| Ohio | $984 | -$440 | -30.9% |
| Oklahoma | $1,464 | $40 | 2.8% |
| Oregon | $1,306 | -$118 | -8.3% |
| Pennsylvania | $1,360 | -$64 | -4.5% |
| Rhode Island | $1,902 | $478 | 33.6% |
| South Carolina | $1,292 | -$132 | -9.3% |
| South Dakota | $1,202 | -$222 | -15.6% |
| Tennessee | $1,248 | -$176 | -12.4% |
| Texas | $1,718 | $294 | 20.6% |
| Utah | $1,056 | -$368 | -25.8% |
| Vermont | $974 | -$450 | -31.6% |
| Virginia | $852 | -$572 | -40.2% |
| Washington | $1,102 | -$322 | -22.6% |
| West Virginia | $1,306 | -$118 | -8.3% |
| Wisconsin | $988 | -$436 | -30.6% |
| Wyoming | $1,270 | -$154 | -10.8% |
Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Chevrolet Equinox EV | $332 | $536 | $398 | $1,424 |
| 2023 Chevrolet Equinox EV | $320 | $524 | $416 | $1,418 |
Rates are averaged for all Chevrolet Equinox EV 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 More Affordable Chevrolet Equinox EV Insurance
Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and taking advantage of discounts. Take the time to compare rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a summary of the car insurance concepts covered in the above illustrations.
- Drivers who have multiple accidents or major violations pay on average $1,640 more every year for Equinox EV insurance
- It is possible to save up to $170 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $575 each year
- Consumers who may need higher liability limits will pay an extra $440 annually to raise from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,232 |
| 20 | $3,260 |
| 30 | $1,490 |
| 40 | $1,424 |
| 50 | $1,300 |
| 60 | $1,274 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,804 |
| $250 | $1,630 |
| $500 | $1,424 |
| $1,000 | $1,226 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,424 |
| 50/100 | $1,504 |
| 100/300 | $1,603 |
| 250/500 | $1,862 |
| 100 CSL | $1,543 |
| 300 CSL | $1,762 |
| 500 CSL | $1,922 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,466 |
| 20 | $5,176 |
| 30 | $3,134 |
| 40 | $3,064 |
| 50 | $2,920 |
| 60 | $2,894 |
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 | $76 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $65 |
| Advance Quote | $69 |
| Online Quote | $101 |
| Total Discounts | $600 |
Discounts are estimated and may not be available from every company or in every state.
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