Chevrolet Equinox insurance costs average $79 per month for minimum coverage and $152 monthly for full coverage. Depending on your particular trim and model year, costs can range from $46 to $252 monthly for Chevrolet Equinox insurance.
Chevrolet Equinox Insurance Cost
Updated: November 16, 2025
Key Takeaways
Chevrolet Equinox insurance costs vary from $46 to $252 monthly depending on your specific model year and trim level.
The Equinox ranks 182nd out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000-2025.
GEICO provides the most affordable Chevrolet Equinox insurance at $122 monthly for full coverage and $57 monthly for minimum coverage policies.
How Much Is Chevrolet Equinox Insurance?
| Chevrolet Equinox | $79 | $152 |
Chevrolet Equinox Insurance Cost by Model Year
Your Chevrolet Equinox insurance rates change based on your model year and trim level. Newer vehicles usually cost more to insure because they have higher fair market values. Monthly premiums for Equinox models range from $55 to $215, depending on your specific year and coverage choices.
| 2026 | $99 | $192 |
| 2025 | $97 | $188 |
| 2024 | $87 | $169 |
| 2023 | $68 | $133 |
| 2022 | $65 | $126 |
| 2021 | $55 | $107 |
| 2020 | $80 | $154 |
| 2019 | $78 | $150 |
| 2018 | $74 | $142 |
| 2017 | $86 | $166 |
| 2016 | $86 | $166 |
| 2015 | $76 | $145 |
| 2014 | $68 | $131 |
| 2013 | $70 | $134 |
| 2012 | $65 | $125 |
| 2011 | $71 | $137 |
| 2010 | $73 | $140 |
| 2009 | $112 | $215 |
| 2008 | $95 | $183 |
| 2007 | $79 | $152 |
| 2006 | $72 | $138 |
| 2005 | $70 | $134 |
Chevrolet Equinox Insurance Cost by Trim
Your Chevrolet Equinox trim directly impacts insurance costs based on its features, market value and replacement expense. Monthly premiums range from $71 to $219 depending on whether you drive the base Rs model or a fully-loaded Sport Utility variant with comprehensive coverage.
| Rs Sport Utility 4d | $71 | $138 |
| L Sport Utility 4d | $71 | $137 |
| Ls Sport Utility 4d | $72 | $138 |
| Lt Sport Utility 4d | $75 | $145 |
| Premier Sport Utility 4d | $78 | $151 |
| Ls | $78 | $152 |
| Ltz Sport Utility 4d | $86 | $164 |
| Lt | $88 | $172 |
| Premier | $93 | $181 |
| Rs | $98 | $191 |
| Activ | $102 | $199 |
| Sport Utility 4d | $114 | $219 |
Chevrolet Equinox Insurance Cost by Company
Chevrolet Equinox insurance costs vary by provider from $89 to $195 monthly. Minimum coverage ranges from $57 to $140, while full coverage costs $122 to $277. Rates vary due to different risk assessment models.
| AAA | $87 | $180 |
| AIG | $113 | $277 |
| Allstate | $102 | $196 |
| Amica | $100 | $205 |
| Chubb | $109 | $214 |
| Farmers | $113 | $197 |
| GEICO | $57 | $122 |
| Kemper | $76 | $152 |
| Nationwide | $86 | $148 |
| Progressive | $82 | $152 |
| State Farm | $71 | $147 |
| The Hartford | $89 | $152 |
| Travelers | $70 | $128 |
| UAIC | $140 | $175 |
Chevrolet Equinox Insurance Cost by State
Chevrolet Equinox insurance varies by state, from $29 monthly in Wyoming to $340 in Louisiana. State regulations, weather risks and accident statistics affect these rates.
| Alabama | $65 | $123 |
| Alaska | $57 | $121 |
| Arizona | $93 | $173 |
| Arkansas | $63 | $140 |
| California | $74 | $149 |
| Colorado | $74 | $177 |
| Connecticut | $109 | $188 |
| Delaware | $112 | $187 |
| Florida | $103 | $237 |
| Georgia | $123 | $201 |
| Hawaii | $41 | $93 |
| Idaho | $42 | $85 |
| Illinois | $71 | $133 |
| Indiana | $50 | $97 |
| Iowa | $42 | $101 |
| Kansas | $54 | $126 |
| Kentucky | $97 | $165 |
| Louisiana | $158 | $340 |
| Maine | $40 | $82 |
| Maryland | $125 | $211 |
| Massachusetts | $80 | $170 |
| Michigan | $116 | $223 |
| Minnesota | $63 | $131 |
| Mississippi | $67 | $133 |
| Missouri | $89 | $176 |
| Montana | $52 | $123 |
| Nebraska | $55 | $126 |
| Nevada | $138 | $251 |
| New Hampshire | $54 | $95 |
| New Jersey | $130 | $214 |
| New Mexico | $63 | $142 |
| New York | $96 | $173 |
| North Carolina | $64 | $126 |
| North Dakota | $44 | $96 |
| Ohio | $59 | $114 |
| Oklahoma | $72 | $159 |
| Oregon | $96 | $167 |
| Pennsylvania | $66 | $155 |
| Rhode Island | $99 | $176 |
| South Carolina | $79 | $147 |
| South Dakota | $39 | $120 |
| Tennessee | $60 | $120 |
| Texas | $99 | $202 |
| Utah | $84 | $142 |
| Vermont | $34 | $81 |
| Virginia | $74 | $121 |
| Washington | $71 | $133 |
| West Virginia | $67 | $136 |
| Wisconsin | $49 | $108 |
| Wyoming | $29 | $89 |
Chevrolet Equinox Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, affects Chevrolet Equinox insurance costs. Young drivers under 25 without violations pay around $293 monthly, while adult drivers aged 26-64 with clean records pay just $115 per month on average.
| Adult Drivers | $79 | $152 |
| Young Drivers | $201 | $385 |
| Senior Drivers | $105 | $192 |
| Drivers With a Speeding Ticket | $98 | $191 |
| Drivers With an Accident | $116 | $223 |
| Drivers With a DUI | $145 | $277 |
| Drivers With Bad Credit | $186 | $374 |
Is a Chevrolet Equinox Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Chevrolet Equinox ranks 182nd out of 827, making it one of the more affordable cars to insure. Among compact SUVs, the model ranks 8th out of 15.
| Isuzu Amigo | $50 | $96 |
| Mazda Tribute | $70 | $135 |
| Jeep Liberty | $72 | $138 |
| Nissan Xterra | $74 | $142 |
| Saab 9-4X | $74 | $143 |
| Mercury Mountaineer | $76 | $147 |
| Jeep Compass | $79 | $152 |
| Chevrolet Equinox | $79 | $152 |
| Dodge Nitro | $82 | $158 |
| Hyundai Tuscon | $85 | $165 |
| Nissan Rogue | $86 | $167 |
| Volkswagen ID.4 | $88 | $172 |
| Subaru Solterra | $90 | $176 |
| Jeep Wrangler Unlimited | $96 | $185 |
| Volkswagen Taos | $98 | $190 |
Factors That Affect Chevrolet Car Insurance Costs
Several factors influence what you'll pay for Chevrolet Equinox insurance coverage:
- Age (30 to 49 median): Middle-aged drivers receive better rates than younger buyers due to driving experience.
- Income (middle-class households): Moderate income levels correlate with responsible driving behaviors and lower claim frequencies.
- Family status: Family-oriented buyers typically maintain continuous coverage and drive more cautiously, reducing risk profiles.
Average Repair or Replacement Costs
Chevrolet ranks 10th in repair affordability among 59 U.S. automakers with median annual costs of $723. Chevrolet Equinox repair costs average $787 annually, making it one of Chevy's most expensive models to repair.
Vehicle Trim, Features and Accessories
The 2025 Equinox features a standard 175-horsepower turbocharged 1.5-liter engine across all LT, RS, and ACTIV trim levels. Higher trims include advanced safety features like adaptive cruise control, surround-view cameras and wireless charging pads that can increase replacement costs.
The RS trim's 19-inch wheels and ACTIV's specialized off-road features may contribute to slightly higher insurance premiums due to increased repair complexity and parts costs.
Fuel Type
The Chevrolet Equinox runs on regular gasoline with its efficient turbocharged engine achieving 26 city/28 highway MPG (FWD) or 24 city/29 highway MPG (AWD). The gasoline powertrain means standard repair shops can service the vehicle, keeping maintenance accessible and affordable.
Unlike electric vehicles, there are no specialized battery replacement concerns or charging infrastructure requirements that could impact insurance costs.
Location
Equinox owners are geographically distributed across suburban and mid-size metropolitan areas. It is highly popular in the Midwest, including Michigan's Grand Rapids area (5.9% of used car sales).
The compact SUV appeals to families in mid-tier metropolitan markets where rates are typically lower than in major urban centers. Regional insurance costs vary by state, with lower crime rates and accident frequency in suburban markets.
Driver Profile
Most Chevrolet Equinox drivers are middle-aged families with moderate to middle-class household incomes. This demographic typically receives favorable insurance rates due to established driving histories and financial stability.
Driver demographics affect Equinox insurance rates:
How to Lower the Cost of Chevrolet Equinox Insurance
Below we outline the top car insurance discounts available for your Chevrolet Equinox:
- 1Choose the right coverage
You'll need to determine how much coverage to buy based on your Equinox value and budget. If you own your Chevrolet, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Discover typical rates by looking up average auto insurance costs for compact SUVs. This information helps you recognize competitive pricing when searching for the cheapest car insurance companies.
- 3Look for more than just low rates
Choosing reliable car insurance requires examining insurers beyond premiums. Study J.D. Power scores, read forum discussions about claims handling, check Better Business Bureau records and verify AM Best financial strength. Low-cost providers sometimes cut corners on service quality.
- 4Explore discounts you qualify for
Track down car insurance discounts available for your situation. Chevrolet Equinox owners frequently receive safety features discounts, multi-vehicle discounts, bundling discounts, good driver discounts and anti-theft discounts.
- 5Consider alternative car insurance types
Look into usage-based insurance or GEICO DriveEasy to lower premiums through monitored safe driving.
- 6Check rates every year
Check car insurance quotes annually from several providers. Your current insurer won't alert you when competitors offer better rates, so make this comparison an annual routine to save up to 24% on your Chevrolet Equinox insurance.
Chevrolet Equinox Insurance Cost: Bottom Line
Insuring a Chevrolet Equinox costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Chevrolet Equinox Insurance Rates: FAQ
Here are answers to common questions about insuring a Chevrolet Equinox.
What is the average cost of car insurance for a Chevrolet Equinox?
Chevrolet Equinox insurance costs $946 annually for minimum coverage and $1,826 for full coverage.
What company has the cheapest car insurance for a Chevrolet Equinox?
GEICO offers the most affordable Equinox car insurance with full coverage averaging $122 monthly. For drivers who only need minimum coverage, GEICO remains the cheapest option at $57 per month for an Equinox.
Are Chevrolet Equinoxs expensive to insure?
The Chevrolet Equinox falls in the middle range for insurance costs. Out of 827 vehicles we track, the Equinox ranks 182nd for affordability. Among compact SUVs, the model ranks eighth out of 15.
What factors affect insurance costs for Chevrolet Equinoxs?
Several things drive up your Chevrolet Equinox rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or more weather-related risks will have higher premiums
How can I lower Chevrolet Equinox insurance costs?
Shop around with multiple insurers as rates vary for Chevrolets, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Chevrolet Equinox Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate Chevrolet Equinox insurance costs.
Who We Based These Rates On
These Chevrolet Equinox prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score is in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.