Chevrolet Equinox Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 7, 2023
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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 $1,344 a year for full coverage. Comprehensive insurance costs approximately $282, collision costs $506, and liability insurance is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing $2,908 or more. Teenage drivers receive the highest rates at $5,040 a year or more.
Average premium for full coverage: $1,344
Rate estimates by individual coverage type:
These estimates include $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Equinox models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $460 for just the minimum liability insurance to the much higher price of $2,908 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities.
The example below illustrates how location helps determine auto insurance prices.
These examples show why everyone should get quotes using their specific location, rather than relying on 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.
Additional Rate Analysis
The chart below shows estimated Chevrolet Equinox insurance rates for additional coverage and risk scenarios.
- The best discount rate is $777
- Choosing higher $1,000 deductibles can save $178 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,344
- Using pricier low deductibles for comp and collision coverage will cost an additional $348 a year
- High-risk insureds who are prone to accidents and violations could pay around $2,908 or more
- The cost that insures a teen driver for full coverage can cost $5,040 each year
Auto insurance rates for a Chevrolet Equinox can also vary considerably based on the model of your Equinox, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. Chevrolet Equinox insurance for high-risk drivers ranges anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age
Where you live plays a big part in determining prices for Chevrolet Equinox insurance rates. A good driver about age 40 could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,920 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$128 | -9.5% |
| Alaska | $1,032 | -$312 | -23.2% |
| Arizona | $1,116 | -$228 | -17.0% |
| Arkansas | $1,344 | -$0 | 0.0% |
| California | $1,534 | $190 | 14.1% |
| Colorado | $1,284 | -$60 | -4.5% |
| Connecticut | $1,384 | $40 | 3.0% |
| Delaware | $1,522 | $178 | 13.2% |
| Florida | $1,684 | $340 | 25.3% |
| Georgia | $1,242 | -$102 | -7.6% |
| Hawaii | $966 | -$378 | -28.1% |
| Idaho | $910 | -$434 | -32.3% |
| Illinois | $1,004 | -$340 | -25.3% |
| Indiana | $1,012 | -$332 | -24.7% |
| Iowa | $908 | -$436 | -32.4% |
| Kansas | $1,280 | -$64 | -4.8% |
| Kentucky | $1,836 | $492 | 36.6% |
| Louisiana | $1,990 | $646 | 48.1% |
| Maine | $830 | -$514 | -38.2% |
| Maryland | $1,108 | -$236 | -17.6% |
| Massachusetts | $1,078 | -$266 | -19.8% |
| Michigan | $2,338 | $994 | 74.0% |
| Minnesota | $1,126 | -$218 | -16.2% |
| Mississippi | $1,614 | $270 | 20.1% |
| Missouri | $1,194 | -$150 | -11.2% |
| Montana | $1,444 | $100 | 7.4% |
| Nebraska | $1,062 | -$282 | -21.0% |
| Nevada | $1,614 | $270 | 20.1% |
| New Hampshire | $970 | -$374 | -27.8% |
| New Jersey | $1,504 | $160 | 11.9% |
| New Mexico | $1,194 | -$150 | -11.2% |
| New York | $1,418 | $74 | 5.5% |
| North Carolina | $776 | -$568 | -42.3% |
| North Dakota | $1,100 | -$244 | -18.2% |
| Ohio | $930 | -$414 | -30.8% |
| Oklahoma | $1,382 | $38 | 2.8% |
| Oregon | $1,232 | -$112 | -8.3% |
| Pennsylvania | $1,284 | -$60 | -4.5% |
| Rhode Island | $1,796 | $452 | 33.6% |
| South Carolina | $1,222 | -$122 | -9.1% |
| South Dakota | $1,136 | -$208 | -15.5% |
| Tennessee | $1,178 | -$166 | -12.4% |
| Texas | $1,622 | $278 | 20.7% |
| Utah | $996 | -$348 | -25.9% |
| Vermont | $920 | -$424 | -31.5% |
| Virginia | $804 | -$540 | -40.2% |
| Washington | $1,042 | -$302 | -22.5% |
| West Virginia | $1,232 | -$112 | -8.3% |
| Wisconsin | $930 | -$414 | -30.8% |
| Wyoming | $1,198 | -$146 | -10.9% |
Using high physical damage deductibles can save as much as $530 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Equinox LS 2WD | $1,304 | $109 |
| Chevrolet Equinox LT 2WD | $1,304 | $109 |
| Chevrolet Equinox LS AWD | $1,344 | $112 |
| Chevrolet Equinox LT AWD | $1,344 | $112 |
| Chevrolet Equinox LTZ 2WD | $1,428 | $119 |
| Chevrolet Equinox LTZ AWD | $1,428 | $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 | $294 | $512 | $390 | $1,354 |
| 2023 Chevrolet Equinox | $282 | $506 | $398 | $1,344 |
| 2022 Chevrolet Equinox | $272 | $494 | $416 | $1,340 |
| 2021 Chevrolet Equinox | $262 | $474 | $430 | $1,324 |
| 2020 Chevrolet Equinox | $248 | $458 | $442 | $1,306 |
| 2019 Chevrolet Equinox | $238 | $424 | $452 | $1,272 |
| 2018 Chevrolet Equinox | $230 | $400 | $456 | $1,244 |
| 2017 Chevrolet Equinox | $220 | $358 | $460 | $1,196 |
| 2016 Chevrolet Equinox | $206 | $330 | $460 | $1,154 |
| 2015 Chevrolet Equinox | $198 | $310 | $464 | $1,130 |
| 2014 Chevrolet Equinox | $194 | $288 | $474 | $1,114 |
| 2013 Chevrolet Equinox | $180 | $268 | $474 | $1,080 |
| 2012 Chevrolet Equinox | $174 | $244 | $478 | $1,054 |
| 2011 Chevrolet Equinox | $162 | $222 | $474 | $1,016 |
| 2010 Chevrolet Equinox | $152 | $202 | $474 | $986 |
| 2009 Chevrolet Equinox | $148 | $182 | $468 | $956 |
| 2008 Chevrolet Equinox | $146 | $178 | $460 | $942 |
| 2007 Chevrolet Equinox | $144 | $168 | $452 | $922 |
| 2006 Chevrolet Equinox | $132 | $160 | $446 | $896 |
| 2005 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
Saving money on Chevrolet Equinox insurance takes not taking risks behind the wheel, maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Compare prices at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a brief summary of the primary concepts that were covered in the charts and tables above.
- Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,560 more per year for Equinox insurance
- Increasing deductibles can save approximately $525 each year
- Teens have the highest car insurance rates, costing as high as $420 per month if the policy includes full coverage
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 | $5,040 |
| 20 | $3,108 |
| 30 | $1,404 |
| 40 | $1,344 |
| 50 | $1,230 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,692 |
| $250 | $1,530 |
| $500 | $1,344 |
| $1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,344 |
| 50/100 | $1,508 |
| 100/300 | $1,607 |
| 250/500 | $1,866 |
| 100 CSL | $1,547 |
| 300 CSL | $1,766 |
| 500 CSL | $1,926 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,184 |
| 20 | $4,938 |
| 30 | $2,970 |
| 40 | $2,908 |
| 50 | $2,776 |
| 60 | $2,752 |
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 | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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