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Compare Chevrolet Equinox insurance rates

Average insurance cost for your Equinox? $189. But rates vary wildly by car insurance company.

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We pulled Chevrolet Equinox car insurance quotes from top insurance companies to find that the average monthly cost to insure a Chevrolet Equinox is $188.93 a month —or $2,267.16 a year. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Chevrolet Equinox$102.07$90.36$144.67$269.88$151.75
2016 Chevrolet Equinox$109.57$100.97$162.32$286.70$164.89
2021 Chevrolet Equinox$125.58$113.11$186.34$330.68$188.93

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your rates may be different based on details such as your age, location, job type, annual mileage and more.

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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.
  • Warranty. 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. You shouldn’t need to add roadside service to your insurance policy.

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.

Does the Chevrolet Equinox qualify for insurance 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

J.D. 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).

However, you’ll find three recalls for the 2018 model. Manufacturers notify affected owners within 60 days of the recall announcement. But if you’ve moved or otherwise don’t receive notice, you can contact Chevrolet’s customer service to confirm.

  • 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.

Chevy Equinox 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, remember 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.

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.

Gabrielle Pastorek's headshot
Publisher, Banking

Gabrielle Pastorek is an SEO strategist and publisher at Finder, specializing in banking. She's written more than 800 articles on the site and is a quoted expert in Best Company, HuffPost, Reader's Digest, MSN and MarketWatch. She's secured interviews with key stakeholders in the consumer insights industry, including a senior director at the National Retail Federation. Gabrielle has edited several creative manuscripts and holds an MFA from the University of Pittsburgh and BAs in English and French from Ohio University. See full bio

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