Chevrolet Equinox Insurance Rates
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Michelle Robbins
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UPDATED: May 24, 2024
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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 insurance rates for a Chevrolet Equinox are $1,340 a year for full coverage insurance. Comprehensive costs on average $272, collision insurance costs $494, and liability coverage is estimated at $416. A policy with only liability insurance costs approximately $474 a year, and a high-risk policy costs around $2,904. Teens pay the most at up to $5,062 a year.
Average premium for full coverage: $1,340
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all Equinox models.
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 $474 for minimum levels of liability insurance to the much higher price of $2,904 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects car insurance rates.
These rate differences illustrate why everyone should get quotes based on a specific location, 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 Details
The chart below illustrates average Chevrolet Equinox insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $774
- Choosing higher $1,000 deductibles can save around $174 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,340
- Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,678
- Drivers with serious driving violations could pay upwards of $2,904
- An auto insurance policy that insures a teenage driver for full coverage may cost $5,062 each year
Car insurance prices for a Chevrolet Equinox also have a wide range based on the model of your Equinox, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Chevrolet Equinox insurance for high-risk drivers ranges around 43% to 133% more than the average policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Chevrolet Equinox insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,810 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,212 | -$128 | -9.6% |
| Alaska | $1,030 | -$310 | -23.1% |
| Arizona | $1,114 | -$226 | -16.9% |
| Arkansas | $1,340 | -$0 | 0.0% |
| California | $1,528 | $188 | 14.0% |
| Colorado | $1,282 | -$58 | -4.3% |
| Connecticut | $1,380 | $40 | 3.0% |
| Delaware | $1,518 | $178 | 13.3% |
| Florida | $1,678 | $338 | 25.2% |
| Georgia | $1,238 | -$102 | -7.6% |
| Hawaii | $964 | -$376 | -28.1% |
| Idaho | $908 | -$432 | -32.2% |
| Illinois | $998 | -$342 | -25.5% |
| Indiana | $1,010 | -$330 | -24.6% |
| Iowa | $906 | -$434 | -32.4% |
| Kansas | $1,276 | -$64 | -4.8% |
| Kentucky | $1,830 | $490 | 36.6% |
| Louisiana | $1,984 | $644 | 48.1% |
| Maine | $828 | -$512 | -38.2% |
| Maryland | $1,106 | -$234 | -17.5% |
| Massachusetts | $1,074 | -$266 | -19.9% |
| Michigan | $2,328 | $988 | 73.7% |
| Minnesota | $1,122 | -$218 | -16.3% |
| Mississippi | $1,606 | $266 | 19.9% |
| Missouri | $1,192 | -$148 | -11.0% |
| Montana | $1,442 | $102 | 7.6% |
| Nebraska | $1,058 | -$282 | -21.0% |
| Nevada | $1,608 | $268 | 20.0% |
| New Hampshire | $966 | -$374 | -27.9% |
| New Jersey | $1,498 | $158 | 11.8% |
| New Mexico | $1,186 | -$154 | -11.5% |
| New York | $1,412 | $72 | 5.4% |
| North Carolina | $772 | -$568 | -42.4% |
| North Dakota | $1,096 | -$244 | -18.2% |
| Ohio | $928 | -$412 | -30.7% |
| Oklahoma | $1,378 | $38 | 2.8% |
| Oregon | $1,230 | -$110 | -8.2% |
| Pennsylvania | $1,280 | -$60 | -4.5% |
| Rhode Island | $1,788 | $448 | 33.4% |
| South Carolina | $1,214 | -$126 | -9.4% |
| South Dakota | $1,134 | -$206 | -15.4% |
| Tennessee | $1,174 | -$166 | -12.4% |
| Texas | $1,618 | $278 | 20.7% |
| Utah | $994 | -$346 | -25.8% |
| Vermont | $918 | -$422 | -31.5% |
| Virginia | $804 | -$536 | -40.0% |
| Washington | $1,038 | -$302 | -22.5% |
| West Virginia | $1,230 | -$110 | -8.2% |
| Wisconsin | $928 | -$412 | -30.7% |
| Wyoming | $1,194 | -$146 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $520 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Equinox LS 2WD | $1,300 | $108 |
| Chevrolet Equinox LT 2WD | $1,300 | $108 |
| Chevrolet Equinox LS AWD | $1,340 | $112 |
| Chevrolet Equinox LT AWD | $1,340 | $112 |
| Chevrolet Equinox LTZ 2WD | $1,422 | $119 |
| Chevrolet Equinox LTZ AWD | $1,422 | $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 | $282 | $506 | $398 | $1,344 |
| 2023 Chevrolet Equinox | $272 | $494 | $416 | $1,340 |
| 2022 Chevrolet Equinox | $262 | $474 | $430 | $1,324 |
| 2021 Chevrolet Equinox | $248 | $458 | $442 | $1,306 |
| 2020 Chevrolet Equinox | $238 | $424 | $452 | $1,272 |
| 2019 Chevrolet Equinox | $230 | $400 | $456 | $1,244 |
| 2018 Chevrolet Equinox | $220 | $358 | $460 | $1,196 |
| 2017 Chevrolet Equinox | $206 | $330 | $460 | $1,154 |
| 2016 Chevrolet Equinox | $198 | $310 | $464 | $1,130 |
| 2015 Chevrolet Equinox | $194 | $288 | $474 | $1,114 |
| 2014 Chevrolet Equinox | $180 | $268 | $474 | $1,080 |
| 2013 Chevrolet Equinox | $174 | $244 | $478 | $1,054 |
| 2012 Chevrolet Equinox | $162 | $222 | $474 | $1,016 |
| 2011 Chevrolet Equinox | $152 | $202 | $474 | $986 |
| 2010 Chevrolet Equinox | $148 | $182 | $468 | $956 |
| 2009 Chevrolet Equinox | $146 | $178 | $460 | $942 |
| 2008 Chevrolet Equinox | $144 | $168 | $452 | $922 |
| 2007 Chevrolet Equinox | $132 | $160 | $446 | $896 |
| 2006 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 Affordable Chevrolet Equinox Insurance
Finding better rates on auto insurance takes avoiding accidents and claims, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates once a year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a brief review of the data that was raised in the charts and tables above.
- It is possible to save as much as $160 per year just by quoting online well ahead of the renewal date
- Consumers who require increased liability limits will pay approximately $460 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
- Drivers under the age of 20 are expensive to insure, with premiums being up to $422 per month if full coverage is purchased
- Drivers with DUI or reckless driving convictions may pay on average $1,560 more each year 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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,062 |
| 20 | $3,098 |
| 30 | $1,396 |
| 40 | $1,340 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,522 |
| $500 | $1,340 |
| $1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,340 |
| 50/100 | $1,505 |
| 100/300 | $1,609 |
| 250/500 | $1,880 |
| 100 CSL | $1,547 |
| 300 CSL | $1,776 |
| 500 CSL | $1,942 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,210 |
| 20 | $4,936 |
| 30 | $2,964 |
| 40 | $2,904 |
| 50 | $2,772 |
| 60 | $2,746 |
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 | $71 |
| Homeowner | $20 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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