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.

U.S. average auto insurance rates for a Chevrolet Equinox are $1,306 annually with full coverage. Comprehensive costs around $248, collision costs $458, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing around $2,836. Teen drivers pay the highest rates at $5,006 a year or more.

Average premium for full coverage: $1,306

Price estimates for individual coverage:

Comprehensive $248
Collision $458
Liability $442

Rate estimates include $500 deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Equinox trim levels.

Price Range from Low to High

For the normal driver, Chevrolet Equinox insurance prices go from as cheap as $496 for the bare minimum liability coverage to a much higher rate of $2,836 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $1,306
High Risk $2,836

Geographic Price Range

Where you live has a large influence on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $980
Small Cities $1,371
Large Cities $1,763

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than using 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.

Additional Rate Information

The chart below details estimated Chevrolet Equinox insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $756
  • Using higher $1,000 deductibles will save about $162 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,306
  • Choosing more expensive low deductibles for physical damage coverage will cost $1,618
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,836 or more
  • The price with full coverage for a teenage driver with full coverage can be $5,006 or more

View Chart as Image

Chevrolet Equinox insurance cost comparison chart
Column chart showing full coverage Chevrolet Equinox insurance rates range from $756 to $5,006

Auto insurance prices for a Chevrolet Equinox are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can be around 44% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $480 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Chevrolet Equinox insurance rates. A driver around age 40 might see prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.

Chevrolet Equinox Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,182 -$124 -9.5%
Alaska $1,002 -$304 -23.3%
Arizona $1,086 -$220 -16.8%
Arkansas $1,306 -$0 0.0%
California $1,488 $182 13.9%
Colorado $1,248 -$58 -4.4%
Connecticut $1,344 $38 2.9%
Delaware $1,478 $172 13.2%
Florida $1,634 $328 25.1%
Georgia $1,206 -$100 -7.7%
Hawaii $938 -$368 -28.2%
Idaho $884 -$422 -32.3%
Illinois $972 -$334 -25.6%
Indiana $984 -$322 -24.7%
Iowa $880 -$426 -32.6%
Kansas $1,242 -$64 -4.9%
Kentucky $1,782 $476 36.4%
Louisiana $1,936 $630 48.2%
Maine $806 -$500 -38.3%
Maryland $1,078 -$228 -17.5%
Massachusetts $1,046 -$260 -19.9%
Michigan $2,270 $964 73.8%
Minnesota $1,092 -$214 -16.4%
Mississippi $1,566 $260 19.9%
Missouri $1,158 -$148 -11.3%
Montana $1,404 $98 7.5%
Nebraska $1,030 -$276 -21.1%
Nevada $1,566 $260 19.9%
New Hampshire $940 -$366 -28.0%
New Jersey $1,462 $156 11.9%
New Mexico $1,158 -$148 -11.3%
New York $1,378 $72 5.5%
North Carolina $752 -$554 -42.4%
North Dakota $1,070 -$236 -18.1%
Ohio $904 -$402 -30.8%
Oklahoma $1,342 $36 2.8%
Oregon $1,198 -$108 -8.3%
Pennsylvania $1,246 -$60 -4.6%
Rhode Island $1,744 $438 33.5%
South Carolina $1,182 -$124 -9.5%
South Dakota $1,104 -$202 -15.5%
Tennessee $1,146 -$160 -12.3%
Texas $1,574 $268 20.5%
Utah $968 -$338 -25.9%
Vermont $894 -$412 -31.5%
Virginia $782 -$524 -40.1%
Washington $1,012 -$294 -22.5%
West Virginia $1,198 -$108 -8.3%
Wisconsin $904 -$402 -30.8%
Wyoming $1,166 -$140 -10.7%

View Chart as Image

Chevrolet Equinox insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices may be quite different between companies.

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 $1,268 $106
Chevrolet Equinox LT 2WD $1,268 $106
Chevrolet Equinox LS AWD $1,306 $109
Chevrolet Equinox LT AWD $1,306 $109
Chevrolet Equinox LTZ 2WD $1,382 $115
Chevrolet Equinox LTZ AWD $1,382 $115

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 $248 $458 $442 $1,306
2018 Chevrolet Equinox $238 $424 $452 $1,272
2017 Chevrolet Equinox $230 $400 $456 $1,244
2016 Chevrolet Equinox $220 $358 $460 $1,196
2015 Chevrolet Equinox $206 $330 $460 $1,154
2014 Chevrolet Equinox $198 $310 $464 $1,130
2013 Chevrolet Equinox $194 $288 $474 $1,114
2012 Chevrolet Equinox $180 $268 $474 $1,080
2011 Chevrolet Equinox $174 $244 $478 $1,054
2010 Chevrolet Equinox $162 $222 $474 $1,016
2009 Chevrolet Equinox $152 $202 $474 $986
2008 Chevrolet Equinox $148 $182 $468 $956
2007 Chevrolet Equinox $146 $178 $460 $942
2006 Chevrolet Equinox $144 $168 $452 $922
2005 Chevrolet Equinox $132 $160 $446 $896

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 Buy the Best Chevrolet Equinox Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief recap of the data that was presented in the illustrations above.

  • You may be able to save up to $160 per year simply by shopping early and online
  • Consumers who may need higher liability limits will pay about $490 every year to increase from a low limit to higher 250/500 limits
  • Teens are expensive to insure, costing up to $417 a month if full coverage is included
  • Drivers who tend to receive serious violations may pay on average $1,530 more every year for Equinox 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.

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 $5,006
20 $3,026
30 $1,354
40 $1,306
50 $1,194
60 $1,172

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Equinox Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,474
$500 $1,306
$1,000 $1,144

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Equinox Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,306
50/100 $1,470
100/300 $1,581
250/500 $1,868
100 CSL $1,515
300 CSL $1,758
500 CSL $1,935

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Equinox Insurance Rates for High Risk Drivers
Age Premium
16 $7,120
20 $4,824
30 $2,886
40 $2,836
50 $2,708
60 $2,684

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 $183

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $94
5-yr Claim Free $84
Paid in Full/EFT $57
Advance Quote $64
Online Quote $92
Total Discounts $550
Rate after discounts $756

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

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