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.

U.S. average insurance rates for a Chevrolet Equinox are $1,306 a year with full coverage. Comprehensive insurance costs around $248 a year, collision costs $458, and liability insurance costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $2,836 or more. Teen drivers pay the highest rates at $5,006 a year or more.

Average premium for full coverage: $1,306

Price estimates for individual coverage:

Comprehensive $248
Collision $458
Liability $442

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Equinox trim levels.

Price Range from Low to High

For a driver in their 40's, Chevrolet Equinox insurance prices go from the low end price of $496 for the bare minimum liability coverage to a high of $2,836 for high-risk insurance.

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

Geographic Price Range

Your location has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance rates.

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

The ranges above demonstrate why it is important to compare rates for a specific zip code, rather than relying 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.

Additional Rate Information

The chart below details estimated Chevrolet Equinox insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $756
  • Drivers who choose higher $1,000 deductibles will pay about $1,144 annually
  • The estimated price for the average middle-age driver using $500 deductibles is $1,306
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $312 a year
  • High risk drivers with multiple violations and an at-fault accident could pay at least $2,836 or more
  • The price that insures a teen driver can be $5,006 a year

View Chart as Image

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

Auto insurance prices for a Chevrolet Equinox are also quite variable based on the trim level of your Equinox, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 137% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Equinox insurance rates. A 40-year-old driver could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, 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

Choosing high deductibles could save up to $480 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted prices may be quite different.

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 Find the Right Chevrolet Equinox Insurance

Getting lower rates on Chevrolet Equinox insurance not only requires being safe and accident-free, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Shop around every couple of years by requesting rates from direct companies, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the material that was covered in the charts and tables above.

  • Drivers who may need more liability protection will pay about $490 every year to go from a low limit to the 250/500 level
  • Youthful drivers are expensive to insure, costing up to $417 a month if the policy includes full coverage
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,530 more every year than a low-risk driver
  • Increasing physical damage deductibles can save approximately $475 each year

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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