Chevrolet Equinox Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
The average insurance prices for a Chevrolet Equinox are $1,344 every 12 months with full coverage. Comprehensive insurance costs around $282, collision costs $506, and liability costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing $2,908 or more. Teen drivers cost the most to insure at $5,040 a year or more.
Average premium for full coverage: $1,344
Policy rates for type of insurance:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Equinox models.
Price Range Variability
Using a 40-year-old driver as an example, Chevrolet Equinox insurance rates go from the cheapest price of $460 for your basic liability-only policy to the much higher price of $2,908 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why everyone should compare prices for a specific zip code and their own driving history, instead of using 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 Information
The chart below details estimated Chevrolet Equinox insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $777
- Using higher $1,000 deductibles will save about $178 annually
- The average price for a good driver age 40 using $500 deductibles is $1,344
- Choosing pricier low deductibles for physical damage coverage costs an extra $348 every year
- Drivers with multiple violations and an at-fault accident could pay at least $2,908 or more
- Policy cost to insure a teen driver for full coverage can be $5,040 or more
Insurance rates for a Chevrolet Equinox also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing high deductibles could cut rates by as much as $530 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. Chevrolet Equinox insurance for high-risk drivers can be as much as 44% to 133% more than average. View High Risk Driver Rates
Your home state has a huge impact on Chevrolet Equinox insurance prices. A driver around age 40 might see rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,820 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be varied.
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 Cheap Chevrolet Equinox Insurance
Finding cheaper rates on car insurance requires being a good driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around once a year by getting quotes from direct companies, and also from several local insurance agents.
The following list is a brief summary of the data that was raised in the charts and tables above.
- You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
- Policyholders who may need an increased level of liability coverage will pay about $440 every year to increase from a 30/60 limit to a 250/500 level
- Drivers age 16 to 20 pay higher rates, as much as $420 each month if they have full coverage
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,560 more every year than a safer driver
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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