Chevrolet Equinox Insurance Rates
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UPDATED: Jun 7, 2023
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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.
Average auto insurance rates for a Chevrolet Equinox are $1,354 annually for full coverage insurance. Comprehensive insurance costs on average $294 each year, collision insurance costs $512, and liability is estimated at $390. A liability-only policy costs approximately $452 a year, and high-risk insurance costs $2,918 or more. Teenage drivers receive the highest rates at up to $5,032 a year.
Average premium for full coverage: $1,354
Rate estimates by individual coverage type:
Includes $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Equinox models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as cheap as $452 for minimum levels of liability insurance to a high rate of $2,918 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities. The graphic below illustrates how where you live affects car insurance rates.
These examples illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.
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 Details
The chart below illustrates average Chevrolet Equinox insurance rates for different risk profiles and scenarios.
- The best discount rate is $783
- Choosing higher $1,000 deductibles can save around $184 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,354
- Using low deductibles for comp and collision coverage costs an additional $352 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,918
- The cost with full coverage for a 16-year-old driver may cost $5,032 each year
Insurance rates for a Chevrolet Equinox can also vary considerably based on the trim level of your Equinox, your risk profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers ranges from 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $540 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Chevrolet Equinox insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,830 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,224 | -$130 | -9.6% |
| Alaska | $1,038 | -$316 | -23.3% |
| Arizona | $1,124 | -$230 | -17.0% |
| Arkansas | $1,354 | -$0 | 0.0% |
| California | $1,540 | $186 | 13.7% |
| Colorado | $1,292 | -$62 | -4.6% |
| Connecticut | $1,392 | $38 | 2.8% |
| Delaware | $1,532 | $178 | 13.1% |
| Florida | $1,692 | $338 | 25.0% |
| Georgia | $1,250 | -$104 | -7.7% |
| Hawaii | $970 | -$384 | -28.4% |
| Idaho | $914 | -$440 | -32.5% |
| Illinois | $1,006 | -$348 | -25.7% |
| Indiana | $1,020 | -$334 | -24.7% |
| Iowa | $914 | -$440 | -32.5% |
| Kansas | $1,286 | -$68 | -5.0% |
| Kentucky | $1,846 | $492 | 36.3% |
| Louisiana | $2,002 | $648 | 47.9% |
| Maine | $836 | -$518 | -38.3% |
| Maryland | $1,116 | -$238 | -17.6% |
| Massachusetts | $1,082 | -$272 | -20.1% |
| Michigan | $2,352 | $998 | 73.7% |
| Minnesota | $1,132 | -$222 | -16.4% |
| Mississippi | $1,620 | $266 | 19.6% |
| Missouri | $1,200 | -$154 | -11.4% |
| Montana | $1,454 | $100 | 7.4% |
| Nebraska | $1,068 | -$286 | -21.1% |
| Nevada | $1,622 | $268 | 19.8% |
| New Hampshire | $974 | -$380 | -28.1% |
| New Jersey | $1,514 | $160 | 11.8% |
| New Mexico | $1,198 | -$156 | -11.5% |
| New York | $1,426 | $72 | 5.3% |
| North Carolina | $778 | -$576 | -42.5% |
| North Dakota | $1,108 | -$246 | -18.2% |
| Ohio | $934 | -$420 | -31.0% |
| Oklahoma | $1,390 | $36 | 2.7% |
| Oregon | $1,240 | -$114 | -8.4% |
| Pennsylvania | $1,292 | -$62 | -4.6% |
| Rhode Island | $1,806 | $452 | 33.4% |
| South Carolina | $1,226 | -$128 | -9.5% |
| South Dakota | $1,142 | -$212 | -15.7% |
| Tennessee | $1,186 | -$168 | -12.4% |
| Texas | $1,632 | $278 | 20.5% |
| Utah | $1,002 | -$352 | -26.0% |
| Vermont | $926 | -$428 | -31.6% |
| Virginia | $810 | -$544 | -40.2% |
| Washington | $1,044 | -$310 | -22.9% |
| West Virginia | $1,240 | -$114 | -8.4% |
| Wisconsin | $938 | -$416 | -30.7% |
| Wyoming | $1,208 | -$146 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Chevrolet Equinox LS 2WD | $1,310 | $109 |
| Chevrolet Equinox LT 2WD | $1,310 | $109 |
| Chevrolet Equinox LS AWD | $1,354 | $113 |
| Chevrolet Equinox LT AWD | $1,354 | $113 |
| Chevrolet Equinox LTZ 2WD | $1,438 | $120 |
| Chevrolet Equinox LTZ AWD | $1,438 | $120 |
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 | $308 | $532 | $372 | $1,370 |
| 2023 Chevrolet Equinox | $294 | $512 | $390 | $1,354 |
| 2022 Chevrolet Equinox | $282 | $506 | $398 | $1,344 |
| 2021 Chevrolet Equinox | $272 | $494 | $416 | $1,340 |
| 2020 Chevrolet Equinox | $262 | $474 | $430 | $1,324 |
| 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 Buy the Cheapest Chevrolet Equinox Insurance
Saving money on insurance for a Chevrolet Equinox takes not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to comparison shop every other policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a recap of the ideas that were touched on in the above illustrations.
- Teens pay the highest rates, costing up to $419 per month including comprehensive and collision insurance
- Drivers considered higher risk that have major violations or accidents may pay on average $1,560 more each year for Equinox insurance
- Increasing deductibles could save up to $525 each year
- It is possible to save as much as $160 per year just by quoting online in advance
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 | $5,032 |
| 20 | $3,112 |
| 30 | $1,410 |
| 40 | $1,354 |
| 50 | $1,236 |
| 60 | $1,210 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,706 |
| $250 | $1,544 |
| $500 | $1,354 |
| $1,000 | $1,170 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,354 |
| 50/100 | $1,516 |
| 100/300 | $1,614 |
| 250/500 | $1,867 |
| 100 CSL | $1,555 |
| 300 CSL | $1,770 |
| 500 CSL | $1,926 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,174 |
| 20 | $4,950 |
| 30 | $2,982 |
| 40 | $2,918 |
| 50 | $2,784 |
| 60 | $2,760 |
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 | $72 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $96 |
| Total Discounts | $571 |
Discounts are estimated and may not be available from every company or in every state.
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