Chevrolet Equinox Insurance Rates

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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 6, 2023

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Chevrolet Equinox insurance
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.

Estimated insurance rates for a Chevrolet Equinox are $1,324 a year for full coverage insurance. Comprehensive costs an estimated $262 a year, collision costs $474, and liability costs $430. A policy with only liability insurance costs as little as $486 a year, with a high-risk policy costing around $2,870. Teens pay the most at $5,030 a year or more.

Average premium for full coverage: $1,324

Premium estimates broken down by type of coverage:

Comprehensive $262
Collision $474
Liability $430

Estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Equinox trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Chevrolet Equinox go from as low as $486 for liability-only coverage to a high of $2,870 for high-risk insurance.

Liability Only $486
Full Coverage $1,324
High Risk $2,870

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine insurance prices.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

These rate differences illustrate why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on averaged prices.

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.

Additional Charts and Tables

The chart below illustrates estimated Chevrolet Equinox insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $767
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,158 each year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,324
  • Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,650
  • Drivers with serious driving violations could pay up to $2,870 or more
  • An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,030 a year

View Chart as Image

Chevrolet Equinox insurance cost comparison chart
Column chart showing full coverage Chevrolet Equinox insurance rates range from $767 to $5,030

Car insurance prices for a Chevrolet Equinox also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $5,000 a year. View Rates by Age

Where you choose to live makes a big difference in Chevrolet Equinox insurance prices. A 40-year-old driver could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,790 on average in Florida, New York, and Michigan.

Chevrolet Equinox Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,198 -$126 -9.5%
Alaska $1,018 -$306 -23.1%
Arizona $1,100 -$224 -16.9%
Arkansas $1,324 -$0 0.0%
California $1,510 $186 14.0%
Colorado $1,264 -$60 -4.5%
Connecticut $1,362 $38 2.9%
Delaware $1,500 $176 13.3%
Florida $1,656 $332 25.1%
Georgia $1,222 -$102 -7.7%
Hawaii $950 -$374 -28.2%
Idaho $896 -$428 -32.3%
Illinois $988 -$336 -25.4%
Indiana $998 -$326 -24.6%
Iowa $894 -$430 -32.5%
Kansas $1,260 -$64 -4.8%
Kentucky $1,806 $482 36.4%
Louisiana $1,960 $636 48.0%
Maine $816 -$508 -38.4%
Maryland $1,092 -$232 -17.5%
Massachusetts $1,060 -$264 -19.9%
Michigan $2,302 $978 73.9%
Minnesota $1,108 -$216 -16.3%
Mississippi $1,586 $262 19.8%
Missouri $1,176 -$148 -11.2%
Montana $1,424 $100 7.6%
Nebraska $1,044 -$280 -21.1%
Nevada $1,586 $262 19.8%
New Hampshire $956 -$368 -27.8%
New Jersey $1,482 $158 11.9%
New Mexico $1,172 -$152 -11.5%
New York $1,394 $70 5.3%
North Carolina $764 -$560 -42.3%
North Dakota $1,084 -$240 -18.1%
Ohio $916 -$408 -30.8%
Oklahoma $1,360 $36 2.7%
Oregon $1,212 -$112 -8.5%
Pennsylvania $1,264 -$60 -4.5%
Rhode Island $1,766 $442 33.4%
South Carolina $1,200 -$124 -9.4%
South Dakota $1,118 -$206 -15.6%
Tennessee $1,160 -$164 -12.4%
Texas $1,596 $272 20.5%
Utah $980 -$344 -26.0%
Vermont $908 -$416 -31.4%
Virginia $794 -$530 -40.0%
Washington $1,024 -$300 -22.7%
West Virginia $1,212 -$112 -8.5%
Wisconsin $918 -$406 -30.7%
Wyoming $1,180 -$144 -10.9%

View Chart as Image

Chevrolet Equinox insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $500 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 135% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Every company calculates prices differently, so rate quotes will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Chevrolet Equinox Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,284 $107
Chevrolet Equinox LT 2WD $1,284 $107
Chevrolet Equinox LS AWD $1,324 $110
Chevrolet Equinox LT AWD $1,324 $110
Chevrolet Equinox LTZ 2WD $1,404 $117
Chevrolet Equinox LTZ AWD $1,404 $117

Rates assume 2019 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.

Chevrolet Equinox Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Chevrolet Equinox $262 $474 $430 $1,324
2018 Chevrolet Equinox $248 $458 $442 $1,306
2017 Chevrolet Equinox $238 $424 $452 $1,272
2016 Chevrolet Equinox $230 $400 $456 $1,244
2015 Chevrolet Equinox $220 $358 $460 $1,196
2014 Chevrolet Equinox $206 $330 $460 $1,154
2013 Chevrolet Equinox $198 $310 $464 $1,130
2012 Chevrolet Equinox $194 $288 $474 $1,114
2011 Chevrolet Equinox $180 $268 $474 $1,080
2010 Chevrolet Equinox $174 $244 $478 $1,054
2009 Chevrolet Equinox $162 $222 $474 $1,016
2008 Chevrolet Equinox $152 $202 $474 $986
2007 Chevrolet Equinox $148 $182 $468 $956
2006 Chevrolet Equinox $146 $178 $460 $942
2005 Chevrolet Equinox $144 $168 $452 $922

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 Low Cost Chevrolet Equinox Insurance

Finding better rates on insurance for a Chevrolet Equinox not only requires avoiding accidents and claims, but also having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a review of the material that was covered in the charts and tables above.

  • Insureds who want increased liability limits will pay approximately $470 annually to go from 30/60 bodily injury limits to 250/500 limits
  • Drivers under the age of 20 have the highest car insurance prices, with premiums being up to $419 per month if full coverage is included
  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,550 more annually to insure a Chevrolet Equinox
  • Increasing policy deductibles can save around $500 each year

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

  1. https://www.iihs.org/ratings/vehicle/chevrolet/equinox-4-door-suv/2020

Rates by Driver Age

Chevrolet Equinox Insurance Rates by Driver Age
Driver Age Premium
16 $5,030
20 $3,062
30 $1,374
40 $1,324
50 $1,212
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Equinox Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,650
$250 $1,498
$500 $1,324
$1,000 $1,158

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Equinox Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,324
50/100 $1,490
100/300 $1,598
250/500 $1,877
100 CSL $1,533
300 CSL $1,770
500 CSL $1,942

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Equinox Insurance Rates for High Risk Drivers
Age Premium
16 $7,160
20 $4,876
30 $2,924
40 $2,870
50 $2,740
60 $2,716

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.

SR-22 Surcharge $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $95
5-yr Claim Free $85
Paid in Full/EFT $59
Advance Quote $65
Online Quote $93
Total Discounts $557
Rate after discounts $767

Discounts are estimated and may not be available from every company or in every state.

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