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: 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.
U.S. average insurance prices for a Chevrolet Equinox are $1,344 every 12 months for full coverage insurance. Comprehensive costs an estimated $282, collision costs $506, and liability coverage is $398. A policy with just liability insurance costs around $460 a year, with coverage for high-risk drivers costing around $2,908. Teenage drivers pay the highest rates at $5,040 a year or more.
Average premium for full coverage: $1,344
Price estimates broken down by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Equinox trim levels.
Price Range from Low to High
For a driver in their 40's, Chevrolet Equinox insurance prices go from the cheapest price of $460 for liability-only coverage to a much higher rate of $2,908 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates how location helps determine insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than using 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 Charts and Tables
The chart below illustrates estimated Chevrolet Equinox insurance rates for other coverage scenarios.
- The best discount rate is $777
- Raising to $1,000 deductibles will save approximately $178 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,344
- Using more expensive low deductibles increases the price to $1,692
- Unlucky drivers who are prone to accidents and violations could pay up to $2,908 or more
- The price to insure a teenage driver with full coverage can cost as much as $5,040
Insurance prices for a Chevrolet Equinox are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Using high physical damage deductibles can reduce prices by up to $530 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Chevrolet Equinox insurance rates. A middle-age driver might find prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,820 on average in Florida, New York, 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% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite 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 Shop for the Best Cheap Chevrolet Equinox Insurance
Getting lower rates on auto insurance consists of having a decent driving record, having good credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a quick review of the car insurance concepts covered in the charts and tables above.
- Drivers with a DUI or reckless driving violation could be forced to pay on average $1,560 more annually than a driver with a clean driving record
- It is possible to save approximately $160 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $525 each year
- Consumers who want additional liability coverage will pay an extra $440 annually to raise from a low limit to a 250/500 level
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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