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.

The average auto insurance rates for a Chevrolet Equinox are $1,306 annually for full coverage. Comprehensive insurance costs on average $248, collision insurance costs $458, and liability coverage is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $2,836 or more. Teens cost the most to insure at up to $5,006 a year.

Average premium for full coverage: $1,306

Policy rates by type of insurance:

Comprehensive $248
Collision $458
Liability $442

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Equinox trim levels.

Price Range Variability

Using a middle-aged driver as an example, Chevrolet Equinox insurance rates range from as cheap as $496 for the bare minimum liability coverage to a much higher rate of $2,836 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how where you live affects car insurance rates.

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

The examples above show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

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 shows average Chevrolet Equinox insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $756
  • Choosing higher $1,000 deductibles can save around $162 a year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,306
  • Selecting more expensive low deductibles for comp and collision coverage costs an additional $312 each year
  • Drivers with serious driving violations could pay upwards of $2,836
  • Policy cost with full coverage for a teenage driver with full coverage may cost $5,006 each year

View Chart as Image

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

Car insurance rates for a Chevrolet Equinox also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges around 44% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Chevrolet Equinox insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,870 on average in Michigan, Louisiana, 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

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 Affordable Chevrolet Equinox Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a brief review of the ideas that were touched on in the above illustrations.

  • Teens are expensive to insure, costing up to $417 each month if comprehensive and collision insurance is included
  • Drivers with DUI or reckless driving convictions may be required to pay an average of $1,530 more each year for Equinox insurance
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • Drivers can save as much as $160 per year just by shopping 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

  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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