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Who Has the Cheapest Insurance for a Chevrolet Equinox in Virginia?

Enter your Virginia zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 9, 2019

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The chances of buying the best cheap coverage for a Chevrolet Equinox in Virginia depends on an enormous amount of rating factors such as whether or not you are married, whether or not you garage your vehicle, and any prior driving citations you have received. Drivers on average pay approximately $830 every 12 months to buy Chevrolet Equinox insurance, but that policy rate is based on cost data for a 50-year-old single male that has both comprehensive and collision coverage and $250 policy deductibles.

Chances are that you are not exactly 50 years old and possibly not even male, possibly married instead of single, and you possibly have other drivers on your policy that need factored in. Having different needs demonstrates why the only way to find cheap insurance rates for your Chevrolet is to do the rate comparisons yourself.

Enter your zip code below to view companies that have cheap auto insurance rates.

Your Chevrolet’s trim level tends to have a direct impact on price, so the price you will pay to insure a Equinox LS 2WD trim level will be $84 cheaper than the insurance cost for the fancier Equinox LTZ AWD trim level, as shown by the rates below.

Chevrolet Equinox Insurance Rates in Virginia
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $170 $346 $290 $18 $88 $912 $76
Equinox LT 2WD $170 $346 $290 $18 $88 $912 $76
Equinox LS AWD $170 $346 $290 $18 $88 $912 $76
Equinox LT AWD $170 $346 $290 $18 $88 $912 $76
Equinox LTZ 2WD $194 $406 $290 $18 $88 $996 $83
Equinox LTZ AWD $194 $406 $290 $18 $88 $996 $83
Equinox LTZ AWD $194 $406 $290 $18 $88 $996 $83
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific garaging location which can alter premium rates substantially.

Determining which company offers the cheapest car insurance rates for a Chevrolet Equinox takes a tad more effort in order to find coverage that fits your budget. Every insurance provider uses their own formula to determine rates, so we’ll take a look at the lowest cost car insurance companies in Virginia.

Enter your zip code below to view companies that have cheap auto insurance rates.

What’s the cheapest car insurance in Virginia?
Rank Company Cost Per Year
1 Travelers $673
2 USAA $695
3 Penn National $726
4 Cincinnati Insurance $733
5 The Hartford $777
6 Utica National $781
7 Erie $788
8 Auto-Owners $788
9 Virginia Farm Bureau $834
10 Donegal Mutual $852
11 Nationwide $925
12 Allied $982
13 ALFA $988
14 GEICO $996
15 National Grange Mutual $1,093
16 State Farm $1,099
17 Chubb $1,101
18 Electric $1,180
19 Amica $1,241
20 California Casualty $1,251
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Travelers has some of the most affordable car insurance rates in Virginia at around $673 each year. USAA, Penn National, Cincinnati Insurance, and The Hartford also qualify as some of the best Virginia auto insurance companies.

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In the above rates, if you currently have coverage with USAA and switched to Travelers, you could realize an annual premium reduction of roughly $22. Virginia drivers with Penn National could save as much as $53 a year, and Cincinnati Insurance customers might reduce prices by as much as $60 a year.

Bear in mind that those premiums are averages for all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Chevrolet Equinox. So the car insurance company that fits your needs best may not even be shown in the company chart above. That helps illustrate why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Enter your zip code below to view companies that have cheap auto insurance rates.

Get discount Virginia auto insurance

Car insurance for an Equinox in VirginiaCar insurance companies that sell the cheapest insurance for a Chevrolet Equinox in Virginia could also offer policy discounts that could reduce prices by 40% or more if you are eligible to receive them. A list of companies and some of the premium reductions they offer can be found below.

Auto Insurance Discounts Available
Discount Geico Progressive Allstate State Farm Liberty Mutual
Multi-policy Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes No Yes Yes
Theft prevention Yes Yes Yes Yes Yes
Anti-lock brakes Yes No Yes Yes Yes
Air bags Yes No Yes Yes Yes
New vehicle No No Yes Yes No
Safe driver Yes Yes Yes Yes No
Defensive driver Yes Yes Yes Yes No
Armed forces Yes Yes No Yes No
Affinity/occupation Yes No No No Yes
Paid in full Yes Yes Yes No Yes
Email statements Yes Yes Yes No Yes
Customer loyalty No Yes No Yes No
Smart student Yes Yes Yes Yes Yes
Distant student No Yes Yes Yes Yes
Homeowner No Yes No No No
Seat belt use Yes No No No No
Online rate quote No Yes No No No
Teen driver No Yes No No Yes
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The diagram below illustrates the difference between insurance premiums with and without discounts being applied to the rates. The data is based on a male driver, no claims, a clean driving record, Virginia state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, multiple policy, homeowner, passive restraint, anti-theft, and vehicle safety discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for a Chevrolet Equinox is 13% or $270.

Which auto insurance company is best?

If you’re looking for the cheapest insurance for an Equinox in Virginia, the companies that insure more vehicles than anyone else are State Farm, Geico, Progressive, and Allstate. When combined, they have over 45% of the entire U.S. car insurance market. The following table shows ratings for price and service, as well as some optional coverages you can expect with each one.

Top Four Auto Insurance Companies Compared
State Farm Geico Progressive Allstate
Discounts Available 3rd 2nd 4th 1st
Price Rank 2nd 1st 3rd 4th
Handling of Claims 2nd 3rd 4th 1st
Client Satisfaction 4th 1st 3rd 2nd
Accident forgiveness coverage No Yes Yes Yes
Rideshare insurance Yes Yes Yes Yes
New car replacement insurance No No No Yes
Emergency roadside service Yes Yes Yes Yes
Breakdown insurance No Yes Yes No
Usage-based rating Yes No Yes Yes
Available in Virginia Yes Yes Yes Yes
Where to buy State Farm-only agents From a Geico agent or online Indpendent agents or online Only buy from Allstate agents
Number of agents 18,000+ 150+ 30,000+ 11,000+
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Cheapest Chevrolet Equinox insurance quotes

Drivers have a lot of different ways to comparison shop for car insurance in Virginia, but the most frequently used methods are from a captive (or exclusive) agency such as Liberty Mutual or Allstate, an independent or non-exclusive agent, or from a direct company like Geico or Progressive. Each way has the same basic steps, but they differ in how they give price quotes.

Independent agents work for many companies and can do rate comparisons with all of them. They do not write with just one company and can quote rates with many companies, which can give you better odds of saving money. If they quote lower rates, they simply switch companies in-house without you having to go to a different agency.

Exclusive agents are only able to write business for a single insurance company like State Farm and Auto-Owners agents. These agents usually cannot quote rates from more than one company, so it’s a good idea to get additional quotes.

Drivers who opt to buy car insurance direct forego an agent and buy direct from companies such as Esurance or Progressive. Shopping for car insurance direct may be a decent choice consumers who do not need risk management and have a good understanding of what coverage limits and deductibles they need.

So which one of the three ways works best for finding the cheapest insurance for a Chevrolet Equinox in Virginia? We would first guess that buying from a direct car insurance company results in the best prices since there is no middleman, but unfortunately, it’s not that cut and dried. A good argument could also be made that buying car insurance from an independent agent is the best way to go due to increased selection, but that assumption is not true either. In many cases, exclusive agents have very competitive rates that other companies cannot beat.

Since car insurance companies use so many rating factors, the best method to ensure you are not overpaying for car insurance is to compare lots of quotes. It’s recommended that drivers get quotes from all three to give yourself the best selection. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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