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 rates for a Chevrolet Equinox are $1,344 a year for full coverage insurance. Comprehensive insurance costs on average $282, collision insurance costs $506, and liability insurance costs $398. A liability-only policy costs as little as $460 a year, and high-risk insurance costs $2,908 or more. 16-year-old drivers cost the most to insure at up to $5,040 a year.
Average premium for full coverage: $1,344
Policy rates by type of insurance:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Equinox models.
Price Range Variability
For the average driver, Chevrolet Equinox insurance rates range from the low end price of $460 for the bare minimum liability coverage to the much higher price of $2,908 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities. The example below illustrates how location impacts car insurance rates.
The examples above illustrate why everyone should compare rates based on a specific location, rather than relying on 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.
Additional Rate Information
The chart below illustrates average Chevrolet Equinox insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $777
- Drivers who choose higher $1,000 deductibles will pay around $178 each year
- The estimated price for a good driver age 40 with $500 deductibles is $1,344
- Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $348 a year
- High risk drivers with multiple tickets or accidents could pay upwards of $2,908
- Policy cost that insures a teen driver for full coverage may cost $5,040 a year
Car insurance rates for a Chevrolet Equinox also range considerably based on the model of your Equinox, your age and driving record, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Chevrolet Equinox insurance for high-risk drivers can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age
Your home state makes a big difference in Chevrolet Equinox insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,820 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles could save up to $530 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit
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 Find the Right Chevrolet Equinox Insurance
Finding cheaper rates on Chevrolet Equinox insurance not only requires avoiding accidents and claims, but also having a positive credit history, being claim-free, and possibly raising deductibles. Comparison shop at least every other year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a quick rundown of the car insurance concepts touched on above.
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,560 more each year to insure a Chevrolet Equinox
- It is possible to save as much as $160 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $525 each year
- Drivers who require increased liability limits will pay around $440 annually to go from a 30/60 limit to the 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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