Chevrolet Equinox full coverage insurance ranges from $959 annually to $5,588. Rates vary by model year, age, location, driving history, coverage and insurer. MoneyGeek reviews Equinox insurance costs and the most affordable options.
Chevy Equinox Insurance Cost
Updated: March 12, 2025
Key Takeaways
State Farm offers the cheapest minimum coverage across all Chevy Equinox model years, averaging $483 annually.
A Chevrolet Equinox's average annual insurance cost is $601 for minimum coverage and $1,283 for full coverage.
MoneyGeek analyzed 4,183 quotes for a Chevrolet Equinox, using data from Quadrant Information Services.
Chevy Equinox Insurance Rates
What Is the Average Chevy Equinox Car Insurance Cost?
Full coverage insurance averages $107 monthly or $1,283 annually for a Chevrolet Equinox, based on a 40-year-old male with a clean driving record. Minimum coverage costs around $50 per month or $601 per year.
| Minimum Coverage | $601 |
| Full Coverage | $1,283 |
Chevy Equinox Insurance Costs by Company
Chevrolet Equinox insurance costs range from $985 to $1,753 per year. Rates depend on age, model year and coverage level. Below is a table comparing average Chevrolet Equinox insurance rates to the averages for all vehicles from various national and mid-size providers.
| Allstate | $1,449 | $1,814 | -20% |
| Auto-Owners | $1,060 | $1,228 | -14% |
| Farmers | $1,590 | $1,958 | -19% |
| GEICO | $1,154 | $1,333 | -13% |
| Kemper | $1,753 | $2,215 | -21% |
| Nationwide | $1,386 | $1,589 | -13% |
| Progressive | $1,478 | $1,745 | -15% |
| State Farm | $1,105 | $1,270 | -13% |
| Travelers | $1,309 | $1,523 | -14% |
| USAA | $985 | $1,201 | -18% |
Read more: Best Car Insurance Companies
Cost of Insuring a Chevy Equinox by Model Year
Your Chevrolet Equinox's production year can affect your insurance rates, with older models often being cheaper to insure. For example, full coverage for a 2022 model costs $1,446 annually, while a 2011 model is around $1,185. Below are the average full and minimum coverage rates for each Chevy Equinox production year.
| 2022 | $607 | $1,446 |
| 2021 | $607 | $1,431 |
| 2020 | $588 | $1,403 |
| 2019 | $618 | $1,380 |
| 2018 | $621 | $1,351 |
| 2017 | $600 | $1,327 |
| 2016 | $626 | $1,303 |
| 2015 | $626 | $1,279 |
| 2014 | $601 | $1,255 |
| 2013 | $624 | $1,230 |
| 2012 | $621 | $1,205 |
| 2011 | $596 | $1,185 |
| 2010 | $619 | $1,165 |
| 2009 | $616 | $1,145 |
Chevy Equinox Insurance Costs by Driver Age
Chevrolet Equinox insurance rates vary widely depending on the driver's age. For example, a 40-year-old pays around $1,293 annually for full coverage, while a 16-year-old pays about $5,588. Below are the average full and minimum coverage rates for Equinox drivers of different ages.
| 16 | $2,795 | $5,588 |
| 17 | $2,271 | $4,554 |
| 18 | $1,979 | $4,006 |
| 19 | $1,403 | $2,854 |
| 20 | $1,260 | $2,593 |
| 21 | $1,001 | $2,092 |
| 22 | $912 | $1,922 |
| 23 | $847 | $1,794 |
| 24 | $803 | $1,707 |
| 25 | $714 | $1,528 |
| 26 | $696 | $1,483 |
| 27 | $679 | $1,450 |
| 28 | $668 | $1,428 |
| 29 | $658 | $1,408 |
| 30 | $636 | $1,359 |
| 35 | $619 | $1,317 |
| 40 | $612 | $1,293 |
| 45 | $607 | $1,277 |
| 50 | $593 | $1,238 |
| 55 | $578 | $1,204 |
| 60 | $578 | $1,200 |
| 65 | $615 | $1,254 |
| 70 | $667 | $1,342 |
| 75 | $741 | $1,472 |
| 80 | $839 | $1,638 |
| 85 | $907 | $1,758 |
| 90 | $957 | $1,841 |
Chevy Equinox Insurance Rates Explained
Car insurance rates depend on driver profiles and car-related factors. Below is a breakdown of vehicle cost factors that can impact your premiums.
Chevy Equinox Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Chevy Equinox
Average Full Coverage Rate
$1,283Premiums for Chevy Equinox are cheaper:$13 saved
This is 1% less expensive.
Value
Vehicles with lower MSRPs often have lower insurance premiums. The Chevrolet Equinox is a compact SUV with an MSRP of $33,195.
Repair costs
The Chevrolet Equinox's annual repair cost is $537, below the national average. Affordable repairs can help reduce insurance premiums.
Performance
The Chevrolet Equinox has 175 horsepower and a 0-to-60 time of 8 seconds, classifying it as non-high-performance, which may help lower insurance costs.
Vehicle age
Newer cars like the Chevy Equinox are typically more expensive to insure than older vehicles. However, collector and classic vehicles can also be very expensive.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify for insurance discounts. The Chevrolet Equinox has a 5-star NHTSA safety rating.
Vehicle size
The Chevrolet Equinox, with a curb weight of 3,512 lbs, may have insurance costs influenced by repair expenses and safety features rather than just its weight.
Trim level
Chevy Equinox's higher trim levels, like the LS, LT, RS and PREMIER, typically have higher insurance costs than base models.
Cheapest Chevy Equinox Insurance
State Farm offers the most affordable minimum coverage for Chevrolet Equinox at $483 annually, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest auto insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Chevy Equinox Insurance by Coverage Level
Your choice of coverage level impacts your Chevrolet Equinox insurance rate. State Farm provides the cheapest average rates for state minimum and full coverage. Below is a breakdown of the cheapest providers for both coverage types.
Cheapest Chevy Equinox Minimum Coverage
State Farm offers the cheapest minimum coverage for Chevrolet Equinox drivers at $40 monthly. GEICO follows at $44, Travelers at $49 and Progressive at $54.
| USAA | $35 | $417 |
| State Farm | $40 | $483 |
| GEICO | $44 | $527 |
| Travelers | $49 | $588 |
| Progressive | $54 | $650 |
| Nationwide | $56 | $670 |
| Allstate | $57 | $689 |
| Farmers | $58 | $690 |
*State Farm offers the lowest average minimum coverage insurance rate for non-military-affiliated Chevy Equinox owners. USAA is the most affordable option for military-affiliated drivers.
Best Chevy Equinox Insurance Rates by Model Year
Since the above list doesn't account for Chevrolet Equinox's production year, rates might be lower based on your vehicle's age. Check the table below to filter and discover the cheapest minimum coverage rates for every Equinox production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $693 | $58 |
| Farmers | $718 | $60 |
| GEICO | $543 | $45 |
| Nationwide | $633 | $53 |
| Progressive | $676 | $56 |
| State Farm | $448 | $37 |
| Travelers | $630 | $53 |
| USAA | $432 | $36 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Chevy Equinox Insurance
State Farm offers the cheapest full coverage insurance for a Chevrolet Equinox at $89 monthly or $1,074 annually. Below is the full list of Equinox full coverage providers and rates.
| USAA | $80 | $959 |
| State Farm | $89 | $1,074 |
| GEICO | $94 | $1,132 |
| Travelers | $108 | $1,296 |
| Nationwide | $109 | $1,312 |
| Allstate | $116 | $1,392 |
| Progressive | $118 | $1,414 |
| Farmers | $125 | $1,498 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Chevy Equinox owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Chevy Equinox Insurance by Age
Young drivers aged 16 to 25 and seniors 55+ often pay higher insurance rates. Below is a breakdown of the cheapest Chevrolet Equinox insurance options by age.
Cheapest Chevy Equinox Insurance for Young Drivers
State Farm offers young Chevrolet Equinox drivers the cheapest insurance rates at $88 monthly or $1,053 yearly for minimum coverage. Below is the complete list of affordable car insurance rates for young drivers.
| USAA | $72 | $863 |
| State Farm | $88 | $1,053 |
| Travelers | $102 | $1,228 |
| GEICO | $106 | $1,270 |
| Allstate | $134 | $1,605 |
| Nationwide | $147 | $1,761 |
| Progressive | $150 | $1,802 |
| Farmers | $154 | $1,853 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Chevy Equinox Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $44 monthly or $531 annually. See the full list of affordable Chevrolet Equinox insurers below.
| State Farm | $44 | $531 |
| USAA | $46 | $554 |
| GEICO | $53 | $631 |
| Travelers | $59 | $708 |
| Nationwide | $65 | $785 |
| Progressive | $69 | $830 |
| Allstate | $70 | $844 |
| Farmers | $77 | $919 |
Cheapest Chevy Equinox Insurance After an Accident
For Chevrolet Equinox drivers, State Farm, GEICO and Travelers are the most affordable car insurance providers after an accident. Check out the complete list below for more options.
| State Farm | $50 | $605 |
| USAA | $53 | $635 |
| GEICO | $69 | $832 |
| Travelers | $70 | $840 |
| Allstate | $78 | $942 |
| Nationwide | $86 | $1,033 |
| Progressive | $88 | $1,053 |
| Farmers | $113 | $1,353 |
Chevy Equinox Insurance Cost: Bottom Line
Regularly compare rates to find the cheapest car insurance. This article covers Chevrolet Equinox insurance costs across demographics and highlights the cheapest providers.
Chevy Equinox Insurance Rates: FAQ
Below are answers to common questions about Chevrolet Equinox insurance costs, including minimum coverage and affordable plans.
What company has the cheapest car insurance for a Chevrolet Equinox?
State Farm offers the cheapest car insurance for a Chevrolet Equinox, with an annual minimum coverage rate of $483.
What is the average cost of car insurance for a Chevrolet Equinox?
The average annual cost of minimum car insurance on a Chevrolet Equinox is $601, while a full coverage policy averages $1,283.
Chevy Equinox Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Chevy Equinox quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Chevy Equinox:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Chevy Equinox insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Chevy Equinox.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.