Chevrolet Equinox Insurance Rates
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UPDATED: Jun 6, 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.
Estimated auto insurance rates for a Chevrolet Equinox are $1,306 annually including full coverage. Comprehensive insurance costs around $248 a year, collision costs $458, and liability insurance is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $2,836 or more. 16-year-old drivers pay the most at $5,006 a year or more.
Average premium for full coverage: $1,306
Premium estimates for type of coverage:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Equinox trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Chevrolet Equinox go from as cheap as $496 for just the minimum liability insurance to a high of $2,836 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities.
The diagram below illustrates how geographic area affects auto insurance rates.
These rate differences highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on rate 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 Analysis
The chart below breaks down estimated Chevrolet Equinox insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $756
- Raising to $1,000 deductibles will save about $1,144 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,306
- Buying low $100 deductibles costs an additional $312 a year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,836 or more
- An auto insurance policy with full coverage for a teen driver can be $5,006
Auto insurance prices for a Chevrolet Equinox also have a wide range based on the model of your Equinox, your driving characteristics, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, 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 a few violations or you caused a few accidents, you are likely paying at least $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $480 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Chevrolet Equinox insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,870 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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
Finding better rates on Chevrolet Equinox insurance consists of avoiding accidents and claims, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.
The points below are a brief recap of the concepts that were presented in the illustrations above.
- High-risk drivers who tend to receive serious violations may pay on average $1,530 more every year to insure a Chevrolet Equinox
- Drivers under the age of 20 are expensive to insure, with the cost nearing $417 per month if full coverage is included
- You may be able to save up to $160 per year simply by quoting early and online
- Increasing policy deductibles could save up to $475 each year
- You may be able to save up to $160 per year simply by quoting early and online
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 | $5,006 |
| 20 | $3,026 |
| 30 | $1,354 |
| 40 | $1,306 |
| 50 | $1,194 |
| 60 | $1,172 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,618 |
| $250 | $1,474 |
| $500 | $1,306 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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