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Compare insurance for the compact SUV that’s become one of Chevy’s top models.
According to our research, you’ll pay an average $134 a month to insure your Chevrolet Equinox or $1,608 a year. Your actual cost depends on your driving record, the number of miles you drive in a year, your age and gender and other factors.
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A 2017 Chevrolet Equinox starts at a base price of $23,100. With the average insurance rate at $2,124 per year, the annual insurance cost–to–base car price ratio is 9.2%.
Monthly insurance rate
Base car price
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
A 30-year-old driver in Pennsylvania
Drives a 2018 Chevrolet Equinox
Drives between 10,001 and 15,000 miles a year
Has no accidents in the past five years
Has an anti-theft device on the vehicle
Has good credit
Other factors that can affect your auto insurance rate
The Chevrolet Equinox’s model year
The vehicle’s trim
The amount of coverage you need
The estimated miles your drive in a year
The vehicle’s safety and anti-theft features
The driver’s credit score
The driver’s location
The driver’s age
The driver’s driving history in the past five years
The driver’s marital status
Your (or the driver’s) gender
Whether the driver rents, leases or owns the vehicle
How to compare insurance for the Chevrolet Equinox
When comparing insurance options for your Chevy Equinox, look beyond a specific provider to weigh:
Price. The Chevy Equinox is a midrange car, so you might look for a happy medium between coverage options and the cost of your premium.
Deductibles. A higher deductible for your Equinox could shave money off your insurance payment, but with a tradeoff: You’ll need the amount of your deductible on hand in case of an accident.
Coverage. Make sure your policy covers your state’s minimum coverage requirements. If you have an upgraded trim package, consider collision and comprehensive coverage.
Manufacturer offers. All new Chevrolet Equinox vehicles under the manufacturer’s five-year powertrain limited warranty are covered by Chevrolet’s free 24/7 roadside assistance and courtesy transportation program.
What factors affect car insurance for the Chevrolet Equinox?
The Chevrolet Equinox has been around since 2005 and is currently in its third generation. The compact SUV is known for its spacious interior and smooth ride. In 2016, there were over 242,000 sales in the United States.
The newest Chevy Equinox models come in four trim packages, and the one that you select could affect your insurance rates.
Chevrolet Equinox L. This base model comes standard with front-wheel drive. And so you might pay more to insure the L than the LS, which offers an all-wheel drive option.
Chevrolet Equinox LS. The LS offers limited upgrade options, but an important one is from FWD to AWD, which could save you $200 to $300 a year on insurance.
Chevrolet Equinox LT. The LT also offers a FWD and AWD option, but each come standard with high intensity discharge (HID) front headlights and LED rear lights. Advanced driver assistance is optional with this trim package, which could help you snag a discount with some insurance companies.
Chevrolet Equinox Premier. The Premier package is available in both FWD and AWD and includes a variety of luxury features that make it the most expensive model to buy and insure.
Driver factors and insurance costs
Beyond the make and model of your vehicle, your age, gender, location, credit score and accident history can affect your car insurance rates.
Yes. The base trim package comes equipped with standard features that could help you save, including:
An antitheft alarm system
Electronic stability control
Your Chevrolet Equinox could qualify for insurance discounts if it’s an AWD model and includes driver assist technology.
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Reliability and safety ratings for the Chevrolet Equinox
JD Power gives the Chevrolet Equinox 5 out of 5 stars for reliability, although the quality of the vehicle’s powertrain mechanics gets a 2 out of 5. The overwhelming majority of online reviewers report their Chevy Equinox as reliable, especially considering its modest price tag.
This vehicle also gets decent safety ratings, with a 4 out of 5 overall safety rating from the National Highway Traffic Safety Administration (NHTSA) and a good rating from the Insurance Institute for Highway Safety (IIHS).
There are, however, three recalls on the 2018 Chevrolet Equinox for:
Possibility of a damaged fuel line, which could result in fire.
Possibility of a fractured drive shaft, which could cause a vehicle rollaway and increase the risk of collision.
Potentially improperly tempered driver and front passenger windows, which could increase the risk of injury if the glass is broken.
The Chevrolet Equinox series maintenance
A compact SUV, the Chevrolet Equinox is fuel efficient and typically cheaper to maintain than larger SUVs, trucks and luxury sports cars. Expect to pay average to below-average prices on routine maintenance like oil changes, brake pad replacement and new tires.
Your Equinox should get up to 28 mpg in the city and 39 mpg on the highway, which is above the national average of 23 combined mpg for compact cars.
Chevrolet Equinox facts
The latest Chevrolet Equinox models are now available in gas and diesel options, but you can expect to pay a similar insurance rate for either type. While the diesel option is more fuel efficient, boasting 43 mpg on the highway, keep in mind that diesel is more expensive than gasoline and available at fewer stations.
This same Chevy diesel engine is also available in the Chevy Cruze and the GMC Terrain.
Expect to pay average rates to insure your Chevrolet Equinox. If you have the AWD trim package and additional safety features, you might pay less than you would to insure a 2WD model without driver assist. With above-average fuel economy and moderately priced maintenance and repairs, you could end up saving more in the long run.
Frequently asked questions about the Chevrolet Equinox
All-wheel drive (AWD) automatically transfers power to all four wheels when your vehicle senses a need for it. In a four-wheel drive (FWD) vehicle, you need to manually engage all four wheels.
For enhanced safety, AWD vehicles often get slightly lower insurance rates than four-wheel drive or two-wheel drive vehicles.
Chevy’s roadside assistance service includes:
Flat tire change
Emergency fuel delivery
As long as your Equinox is covered by Chevy’s roadside assistance program, you shouldn’t need to add a similar feature to your insurance policy.
Yes. Manufacturers often require you to carry collision and comprehensive insurance for your leased vehicle.
Manufacturers notify affected owners within 60 days of the recall announcement. But if you’ve moved or otherwise don’t receive notice, you might want to contact Chevrolet customer service at 1-800-222-1020 to confirm.
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Gabrielle Pastorek is a writer at finder.com, regularly researching and creating shopping and finance reviews, as well as car and loan comparisons. She holds an MFA from the University of Pittsburgh, and her essays and short stories can be found in The Collagist, Blue Monday Review, Blotterature and others. When she’s not writing, Gabrielle can be found out in the barn with her horse, Lucy.
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