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Chevrolet Equinox Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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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 $1,354 a year for full coverage insurance. Comprehensive costs an estimated $294 a year, collision insurance costs $512, and liability is $390. A liability-only policy costs around $452 a year, and high-risk insurance costs around $2,918. Teen drivers pay the most at up to $5,032 a year.

Average premium for full coverage: $1,354

Premium estimates broken down by type of coverage:

Comprehensive $294
Collision $512
Liability $390

Prices include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Equinox trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Chevrolet Equinox range from the low end price of $452 for just liability insurance to a high of $2,918 for a policy for a high-risk driver.

Liability Only $452
Full Coverage $1,354
High Risk $2,918

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,016
Small Cities $1,422
Large Cities $1,828

These rate differences illustrate why it is important to compare rates quotes for a targeted area, instead of making a decision based 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.

More Rate Details

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

  • The lowest rate with discounts is $783
  • Raising to $1,000 deductibles will save approximately $1,170 each year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,354
  • Choosing low $100 deductibles bumps up the cost to $1,706
  • Drivers with multiple violations and an at-fault accident could pay up to $2,918
  • An auto insurance policy that insures a 16-year-old driver can cost as much as $5,032

View Chart as Image

Chevrolet Equinox insurance cost comparison chart
Column chart showing Chevrolet Equinox insurance rates range from $783 to $5,032 for full coverage

Auto insurance prices for a Chevrolet Equinox also have a wide range based on the trim level of your Equinox, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 132% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,000 a year. View Rates by Age

Where you choose to live also has a big influence on Chevrolet Equinox insurance prices. A middle-age driver might find prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,830 on average in Florida, New York, and Michigan.

Chevrolet Equinox Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,224 -$130 -9.6%
Alaska $1,038 -$316 -23.3%
Arizona $1,124 -$230 -17.0%
Arkansas $1,354 -$0 0.0%
California $1,540 $186 13.7%
Colorado $1,292 -$62 -4.6%
Connecticut $1,392 $38 2.8%
Delaware $1,532 $178 13.1%
Florida $1,692 $338 25.0%
Georgia $1,250 -$104 -7.7%
Hawaii $970 -$384 -28.4%
Idaho $914 -$440 -32.5%
Illinois $1,006 -$348 -25.7%
Indiana $1,020 -$334 -24.7%
Iowa $914 -$440 -32.5%
Kansas $1,286 -$68 -5.0%
Kentucky $1,846 $492 36.3%
Louisiana $2,002 $648 47.9%
Maine $836 -$518 -38.3%
Maryland $1,116 -$238 -17.6%
Massachusetts $1,082 -$272 -20.1%
Michigan $2,352 $998 73.7%
Minnesota $1,132 -$222 -16.4%
Mississippi $1,620 $266 19.6%
Missouri $1,200 -$154 -11.4%
Montana $1,454 $100 7.4%
Nebraska $1,068 -$286 -21.1%
Nevada $1,622 $268 19.8%
New Hampshire $974 -$380 -28.1%
New Jersey $1,514 $160 11.8%
New Mexico $1,198 -$156 -11.5%
New York $1,426 $72 5.3%
North Carolina $778 -$576 -42.5%
North Dakota $1,108 -$246 -18.2%
Ohio $934 -$420 -31.0%
Oklahoma $1,390 $36 2.7%
Oregon $1,240 -$114 -8.4%
Pennsylvania $1,292 -$62 -4.6%
Rhode Island $1,806 $452 33.4%
South Carolina $1,226 -$128 -9.5%
South Dakota $1,142 -$212 -15.7%
Tennessee $1,186 -$168 -12.4%
Texas $1,632 $278 20.5%
Utah $1,002 -$352 -26.0%
Vermont $926 -$428 -31.6%
Virginia $810 -$544 -40.2%
Washington $1,044 -$310 -22.9%
West Virginia $1,240 -$114 -8.4%
Wisconsin $938 -$416 -30.7%
Wyoming $1,208 -$146 -10.8%

View Chart as Image

Chevrolet Equinox insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $540 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

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 $1,310 $109
Chevrolet Equinox LT 2WD $1,310 $109
Chevrolet Equinox LS AWD $1,354 $113
Chevrolet Equinox LT AWD $1,354 $113
Chevrolet Equinox LTZ 2WD $1,438 $120
Chevrolet Equinox LTZ AWD $1,438 $120

Rates assume 2020 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
2020 Chevrolet Equinox $294 $512 $390 $1,354
2019 Chevrolet Equinox $282 $506 $398 $1,344
2018 Chevrolet Equinox $272 $494 $416 $1,340
2017 Chevrolet Equinox $262 $474 $430 $1,324
2016 Chevrolet Equinox $248 $458 $442 $1,306
2015 Chevrolet Equinox $238 $424 $452 $1,272
2014 Chevrolet Equinox $230 $400 $456 $1,244
2013 Chevrolet Equinox $220 $358 $460 $1,196
2012 Chevrolet Equinox $206 $330 $460 $1,154
2011 Chevrolet Equinox $198 $310 $464 $1,130
2010 Chevrolet Equinox $194 $288 $474 $1,114
2009 Chevrolet Equinox $180 $268 $474 $1,080
2008 Chevrolet Equinox $174 $244 $478 $1,054
2007 Chevrolet Equinox $162 $222 $474 $1,016
2006 Chevrolet Equinox $152 $202 $474 $986
2005 Chevrolet Equinox $148 $182 $468 $956

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 the Right Chevrolet Equinox Insurance

Finding better rates on insurance for a Chevrolet Equinox consists of avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Shop around every year by getting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the coverage data raised in the charts and tables above.

  • It is possible to save approximately $160 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $525 each year
  • Drivers under the age of 20 are the costliest to insure, with premiums being up to $419 per month if the policy includes full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,560 more annually to insure a Chevrolet Equinox

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 $5,032
20 $3,112
30 $1,410
40 $1,354
50 $1,236
60 $1,210

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Equinox Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,706
$250 $1,544
$500 $1,354
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Equinox Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,354
50/100 $1,516
100/300 $1,614
250/500 $1,867
100 CSL $1,555
300 CSL $1,770
500 CSL $1,926

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Equinox Insurance Rates for High Risk Drivers
Age Premium
16 $7,174
20 $4,950
30 $2,982
40 $2,918
50 $2,784
60 $2,760

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 $187

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $99
5-yr Claim Free $87
Paid in Full/EFT $61
Advance Quote $66
Online Quote $96
Total Discounts $571
Rate after discounts $783

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

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