Chevrolet Equinox Insurance Rates
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UPDATED: Dec 6, 2021
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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.
Average insurance rates for a Chevrolet Equinox are $1,340 a year for full coverage. Comprehensive costs on average $272 a year, collision costs $494, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $2,904. Teen drivers receive the highest rates at $5,062 a year or more.
Average premium for full coverage: $1,340
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Equinox trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $474 for only liability insurance to a high of $2,904 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.
Insurance Rate Analysis
The chart below shows estimated Chevrolet Equinox insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $774
- Drivers who choose higher $1,000 deductibles will pay around $1,166 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,340
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,678
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,904 or more
- The cost for full coverage for a teen driver may cost $5,062 a year
for a Chevrolet Equinox can also vary considerably based on your driver profile, the trim level of your Equinox, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,000 a year. View Rates by Age
Where you live makes a big difference in Chevrolet Equinox insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,910 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $520 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly 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 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2019 Chevrolet Equinox||$272||$494||$416||$1,340|
|2018 Chevrolet Equinox||$262||$474||$430||$1,324|
|2017 Chevrolet Equinox||$248||$458||$442||$1,306|
|2016 Chevrolet Equinox||$238||$424||$452||$1,272|
|2015 Chevrolet Equinox||$230||$400||$456||$1,244|
|2014 Chevrolet Equinox||$220||$358||$460||$1,196|
|2013 Chevrolet Equinox||$206||$330||$460||$1,154|
|2012 Chevrolet Equinox||$198||$310||$464||$1,130|
|2011 Chevrolet Equinox||$194||$288||$474||$1,114|
|2010 Chevrolet Equinox||$180||$268||$474||$1,080|
|2009 Chevrolet Equinox||$174||$244||$478||$1,054|
|2008 Chevrolet Equinox||$162||$222||$474||$1,016|
|2007 Chevrolet Equinox||$152||$202||$474||$986|
|2006 Chevrolet Equinox||$148||$182||$468||$956|
|2005 Chevrolet Equinox||$146||$178||$460||$942|
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 Cheaper Chevrolet Equinox Insurance
Saving money on Chevrolet Equinox insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $500 each year
- Drivers can save as much as $160 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $460 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $422 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,560 more each year for insurance
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$97|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.