Chevrolet Equinox car insurance rates | finder.com

Chevrolet Equinox insurance rates

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What to expect when insuring this 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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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.

Compare insurance providers that cover the Chevrolet Equinox

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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About the Chevrolet Equinox

Chevrolet Equinox Insurance FinderThe 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.

Insurance companies determine the insurance cost for a Chevrolet Equinox based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Chevrolet shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Chevrolet Equinox shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

Chevrolet Equinox money-saving safety features

You could save money on car insurance for your Chevrolet Equinox if it comes equipped with these safety features.

  • Anti-lock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Anti theft system

What factors affect car insurance for the Chevrolet Equinox?

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.

For instance, younger drivers pay higher premiums for their perceived inexperience. And women tend to pay lower premiums than men, no matter their age.

Does the Chevrolet Equinox qualify for discounts?

Yes. The base trim package comes equipped with standard features that could help you save, including:

  • Airbags
  • An antitheft alarm system
  • Traction control
  • Electronic stability control

Your Chevrolet Equinox could qualify for insurance discounts if it’s an AWD model and includes driver assist technology.

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.

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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.

Chevrolet Facts

  • Chevrolet was founded in 1911 and is a division of General Motors.
  • Base prices start at $13,000 and can go up to $56,000.
  • Chevrolet had the best selling car in the United States by 1929 and overtook its competitor, Ford.
  • Chevrolet designed the first mass-produced sports car, the Corvette, in 1953. Since then, over 1.3 million Corvettes were produced.
  • Chevrolet is the only brand that was awarded the J.D. Power Dependability Award for cars, trucks, and SUVs for two years in a row.

Chevrolet Equinox price

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%.

Model Monthly insurance rate Base car price
BOLT EV $238 $36,620
CAMARO $154 $25,905
CITY EXPRESS $171 $22,405
COLORADO $161 $20,000
CORVETTE $238 $55,450
CRUZE $238 $16,975
EQUINOX $177 $23,100
EXPRESS $171 $30,745
IMPALA $175 $27,500
MALIBU $238 $21,680
SILVERADO $160 $27,785
SONIC $174 $15,145
SPARK $181 $13,000
SS $164 $46,625
SUBURBAN $172 $49,915
TAHOE $169 $47,215
TRAVERSE $171 $28,700
TRAX $180 $21,000
VOLT $177 $33,220

Compare Chevrolet Equinox competitors

Looking for other car brands? Compare car makes and models that are similar to the Chevy Equinox.

Bottom line

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.

With so much competition for your business, compare car insurance rates from many providers to find the best value for your coverage.

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Frequently asked questions about the Chevrolet Equinox

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