Chevrolet Equinox Insurance Rates
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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 prices for a Chevrolet Equinox are $1,344 every 12 months including full coverage. Comprehensive insurance costs around $282, collision costs $506, and liability costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing $2,908 or more. 16-year-old drivers pay the most at $5,040 a year or more.
Average premium for full coverage: $1,344
Premium estimates for type of coverage:
Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different Equinox trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Chevrolet Equinox go from the cheapest price of $460 for your basic liability-only policy to a much higher rate of $2,908 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using rate 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 breaks down estimated Chevrolet Equinox insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $777
- Drivers who choose higher $1,000 deductibles will pay about $178 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,344
- Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $348 every year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,908 or more
- An auto insurance policy to insure a teen driver with full coverage can be $5,040 a year
Auto insurance prices for a Chevrolet Equinox also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could save up to $530 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Chevrolet Equinox insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,920 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to compare prices and see which company has the best price. Every company utilizes a different rate formula, and quoted prices will be substantially 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 Chevrolet Equinox Insurance
Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, refrain from filing small claims, and maximizing policy discounts. Set aside time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
The following is a brief recap of the concepts that were covered above.
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,560 more every year for Equinox insurance
- Teens are expensive to insure, with the cost nearing $420 per month if comprehensive and collision insurance is included
- You may be able to save up to $160 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $525 each year
- You may be able to save up to $160 per year simply by shopping early and online
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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