Chevrolet Equinox Insurance Cost Estimate

If you want to buy Chevrolet Equinox insurance coverage then a policy will cost $114 per month ($1,370 per year) on average. Finding Chevrolet Equinox teenager insurance rates can cost on average $5,007 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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Reviewed byJoel Ohman
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UPDATED: Jul 31, 2020

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Chevy Equinox Key Statistics from Experts
Chevy Equinox SummaryDetailsFrom Experts
Sales Numbers
Difference From Prior Year
346,049 (2019)
332,621 (2018)
GoodCarBadCar
Frequency of Claims6.5 per 1000 insured vehicle yearsInsurance Information Institute
Overall Safety Rating5/5 StarsNational Highway Traffic Safety Administration
Fatality Rate27 per million registered vehiclesInsurance Institute for Highway Safety
MSRP
Fair Market Range
$24,995
$22,435-$24,314
Kelley Blue Book
Theft Rates0.45 per 1,000 vehiclesNational Insurance Crime Bureau
Average Cost of Repairs$537 per yearRepairPal
Average Comprehensive Rate$282Quadrant Information Services
Average Liability Rate$398Quadrant Information Services
Average Collision Rate$506Quadrant Information Services
Get Your Rates Quote Now

Key takeaways:

  • Full coverage costs around $1,370 a year or $114 each month
  • A liability-only policy costs around $549 a year or $46 each month
  • Highest rates are for teenage drivers at around $5,007 a year or $417 each month
  • Good drivers can save as much as $565 a year by earning policy discounts
  • Chevrolet Equinox insurance costs around $149 less per year than the average vehicle

Chevrolet Equinox insurance rates average $149 less per year than the average vehicle. Full coverage costs about $1,370 a year or $114 a month. Good drivers can save up to $565 a year in policy discounts by being safe and courteous while out on the roads. Let’s take a look at Chevrolet Equinox insurance rates, crash test ratings, and more.

You can start comparing quotes for Chevrolet Equinox car insurance rates from some of the best car insurance companies by using our free online tool now.

Table of Contents

Chevrolet Equinox Insurance Cost

The average Chevrolet Equinox car insurance costs are $1,370 a year or $114 a month.

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Are Chevrolet Equinoxs Expensive to Insure?

The chart below details how Chevrolet Equinox insurance rates compare to other crossovers like the Toyota RAV4, Buick Envision, and MINI Clubman.

VehicleComprehensiveCollisionLiabilityTotal
Chevrolet Equinox$308$532$372$1,370
Toyota RAV4$280$482$390$1,310
Buick Envision$320$566$398$1,442
MINI Clubman$320$506$398$1,382
Lexus NX 300$376$688$372$1,594
Audi Q5$362$718$372$1,610
Subaru Crosstrek$320$512$332$1,300

However, there are a few things you can do to find the cheapest Chevrolet insurance rates online.

What Impacts the Cost of Chevrolet Equinox Insurance?

The Chevrolet Equinox trim and model you choose can impact the total price you will pay for Chevrolet Equinox car insurance coverage.

Age of the Vehicle

The average Chevrolet Equinox car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Chevrolet Equinox are $1,370, while 2010 Chevrolet Equinox rates are $1,130, a difference of $240.

Model YearComprehensiveCollisionLiabilityTotal
2020 Chevrolet Equinox$308$532$372$1,370
2019 Chevrolet Equinox$294$512$390$1,354
2018 Chevrolet Equinox$282$506$398$1,344
2017 Chevrolet Equinox$272$494$416$1,340
2016 Chevrolet Equinox$262$474$430$1,324
2015 Chevrolet Equinox$248$458$442$1,306
2014 Chevrolet Equinox$238$424$452$1,272
2013 Chevrolet Equinox$230$400$456$1,244
2012 Chevrolet Equinox$220$358$460$1,196
2011 Chevrolet Equinox$206$330$460$1,154
2010 Chevrolet Equinox$198$310$464$1,130

Driver Age

Driver age can have a significant effect on Chevrolet Equinox car insurance rates. For example, 30-year-old drivers pay $60 more for Chevrolet Equinox car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Chevrolet Equinox insurance rates. For example, drivers in Los Angeles may pay $754 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Chevrolet Equinox car insurance. Teens and drivers in their 20’s see the highest jump in their Chevrolet Equinox car insurance with violations on their driving record.

Chevrolet Equinox Safety Ratings

Your Chevrolet Equinox auto insurance rates are influenced by the Chevrolet Equinox’s safety ratings. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Chevrolet Equinox Crash Test Ratings

Good Chevrolet Equinox crash test ratings can lower your Chevrolet Equinox auto insurance rates. See Chevrolet Equinox crash test results below:

Vehicle TestedOverallFrontalSideRollover
2020 Chevrolet Equinox SUV FWD5 stars5 stars5 stars4 stars
2020 Chevrolet Equinox SUV AWD5 stars5 stars5 stars4 stars
2019 Chevrolet Equinox SUV FWD5 stars5 stars5 stars4 stars
2019 Chevrolet Equinox SUV AWD5 stars5 stars5 stars4 stars
2018 Chevrolet Equinox SUV FWD Later Release5 stars5 stars5 stars4 stars
2018 Chevrolet Equinox SUV FWD Early Release4 stars5 stars4 stars4 stars
2018 Chevrolet Equinox SUV AWD Later Release5 stars5 stars5 stars4 stars
2018 Chevrolet Equinox SUV AWD Early Release4 stars5 stars4 stars4 stars
2017 Chevrolet Equinox SUV FWD4 stars4 stars5 stars4 stars
2017 Chevrolet Equinox SUV AWD4 stars4 stars5 stars4 stars
2016 Chevrolet Equinox SUV FWD4 stars4 stars5 stars4 stars
2016 Chevrolet Equinox SUV AWD4 stars4 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Chevrolet Equinox Safety Features

The safety features of the Chevrolet Equinox can impact your Chevrolet Equinox car insurance rates. The Chevrolet Equinox has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Chevrolet Equinox Insurance Loss Probability

The lower percentage means lower Chevrolet Equinox car insurance costs; higher percentages mean higher Chevrolet Equinox car insurance costs. Compare the following Chevrolet Equinox auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

Insurance Coverage CategoryLoss Rate
Collision-18%
Property Damage-14%
Comprehensive-26%
Personal Injury1%
Medical Payment4%
Bodily Injury-7%
Source: Insurance Institute for Highway Safety

Chevrolet Equinox Finance and Insurance Cost

If you are financing a Chevrolet Equinox, you will pay more if you purchase Chevrolet Equinox auto insurance at the dealership, so be sure to shop around and compare Chevrolet Equinox auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Chevrolet Equinox Insurance

If you want to reduce the cost of your Chevrolet Equinox insurance rates, follow these tips below:

  • Make Sure You Use an Accredited Driver Safety Program
  • Use an Accurate Job Title When Requesting Chevrolet Equinox Auto Insurance
  • Ask for a Higher Deductible for Your Chevrolet Equinox Insurance Policy
  • Ask About Chevrolet Equinox Discounts If You Were Listed on Someone Else’s Policy
  • Bundle Your Chevrolet Equinox Auto Insurance with Home Insurance

Top Chevrolet Equinox Insurance Companies

Who is the top car insurance company for Chevrolet Equinox insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Chevrolet Equinox auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Chevrolet Equinox offers.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Chevrolet Equinox Insurance Quotes Online

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What are the cheapest cars to insure? Is the Chevrolet Equinox one of them? Finding cheap Chevrolet Equinox car insurance online is a snap. Named after the two times in the calendar year when night and day are at equal lengths across the globe, the Chevy Equinox is a moderately priced compact SUV that has steadily gained popularity across the country.

With four distinct trim levels, drivers from all walks of life can find a suitable model that meets their needs and budget. But one thing every person who gets behind the wheel of the Equinox must have is car insurance. So how much does it cost to insure a Chevy Equinox? You’re on a budget so you want cheap car insurance, but you also want good coverage. Our guide on car insurance for the Chevy Equinox can help.

So, is it expensive to insure a Chevy Equinox? This extensive guide is structured to give you a clear understanding of how much it costs to insure this particular car. We’ll cover the history of the vehicle, general pricing, safety ratings, repair costs, and more so you can see how each of these factors impacts your insurance premium for the SUV.

Keep reading to arm yourself with knowledge about all things Chevy Equinox. And don’t forget to punch in your five-digit ZIP code above to get access to instant car insurance quotes from reputable providers.

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Chevy Equinox Car Insurance Rates

You’ll probably see the acronym “MSRP” a lot during the car-buying process. This is the Manufacturer’s Suggested Retail Price for the car you’re thinking about buying.

As it turns out, the MSRP of the Chevy Equinox varies based on the trim level. For example, the top-tier edition of the Equinox will cost more than the base-level edition.

Let’s take a look at the next table to see the MSRP and fair market range for the Chevy Equinox. This will give you a good idea of what you can expect to pay at dealerships or from a private seller.

Chevy Equinox MSRP and Fair Market Values by Model Year
Model YearEquinox LEquinox LSEquinox LTEquinox Premier
2020: MSRP
Fair Market Range
$24,995
N/A at this time
$27,495
$24,612-$26,813
$31,195
$28,023-$30,522
$32,595
$29,374-$31,981
2019: MSRP
Fair Market Range
$24,995
$22,435-$24,314
$27,095
$24,234-$26,269
$30,795
$27,638-$29,953
$36,295
$32,570-$35,299
2018: MSRP
Fair Market Range
$17,691
$16,076-$18,561
$17,312
$15,699-$18,126
$20,012
$17,932-$20,703
$23,108
$21,304-$24,597
2017: MSRP
Fair Market Range
$15,618
$14,194-$16,467
$16,005
$14,582-$16,919
$17,366
$15,635-$18,140
$18,214
$16,698-$19,375
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Now that you have a general idea of what each trim level costs for the Chevy Equinox, it’s important to consider what type of car insurance policy you will have to purchase along with it. Unless you pay for the vehicle outright, your lending partner will require you to have collision or comprehensive car insurance.

Simply put, lenders require you to purchase a policy that covers the cost of the vehicle while you’re still making payments on it. If you get into an accident and your policy doesn’t cover the amount of damage that occurred as a result, you may be required to get force-placed insurance, which only protects the lender.

It’s always a wise idea to get a high level of coverage at the time you purchase a vehicle if you can. This way you won’t have to deal with the hassle of getting force-placed insurance and paying for injuries or property damage after an accident because you weren’t sufficiently covered.

Chevy Equinox Car Insurance Rates: Collision Coverage

Collision coverage. It sounds self-explanatory, but it’s best to have a clear understanding of what this type of insurance policy covers. The reason this is important is that the MSRP of the Chevy Equinox you’ve been eyeing will go hand-in-hand with how much you pay for collision coverage.

A general rule of thumb is that the more you pay for your vehicle, the more expensive your collision coverage will be.

Collision insurance is going to cover the costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.

In most states, you don’t have to get collision coverage to be legal on the road. But if you just bought a brand-new Chevy Equinox and wish to protect that investment, it’s best to err on the side of caution by getting this coverage.

The next table will show you the average costs for collision insurance for this vehicle based on the model year.

Chevy Equinox Collision Car Insurance Rates By Model Year
Chevy Equinox Model YearAverage Collision Insurance Rates
2018$506
2017$494
2016$474
2015$458
2014$424
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These rates are taken from the average cost for collision insurance across each trim level of the Chevy Equinox. For example, the $506 figure from the 2018 model year takes into account what that policy costs for the L (base model), LS, LT, and Premier (top-tier model).

It’s likely that your collision coverage will be cheaper than the averages displayed in the table above if you have a base-level Equinox.

Now that we have an understanding of how the MSRP of the Chevy Equinox impacts collision rates, let’s see how it stacks up against other vehicles in the same class. The following table displays loss percentages that are either above or below the average for each small 4-door SUV.

Chevy Equinox Collision Loss Percentages vs. Other Small SUVs
Car Make and ModelCollision Loss Percentage
Chevy Equinox-2%
Chevy Trax-13%
Fiat 500X-22%
Ford EcoSport-3%
Ford Escape-24%
GMC Terrain6%
Honda CR-V-34%
Hyundai Kona-1%
Hyundai Tucson-20%
Jeep Compass-19%
Jeep Renegade-13%
Jeep Wrangler-46%
Kia Sportage-22%
Mazda CX-5-38%
Mitsubishi Eclipse Cross6%
Mitsubishi Outlander17%
Nissan Rogue-6%
Subaru Forester-34%
Toyota C-HR-19%
Toyota RAV4-5%
Volkswagen Tiguan-22%
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Since small 4-door SUVs score well in crash tests, it’s no surprise that nearly every model on the list shows a percentage that is less than the average cost of collision coverage.

At -3 percent, the Chevy Equinox comes in just under the average, but it’s still better than having to pay more than the median rate for collision insurance.

It’s also worth noting that a newer car will be more expensive to insure. A 2018 Chevy Equinox will be a cheaper vehicle to insure than a 2020 Chevy Equinox.

Chevy Equinox Car Insurance Rates: Comprehensive Coverage

What does it mean to have comprehensive car insurance? cheComprehensive coverage protects your vehicle from damage that is outside of your control. For example, if your Chevy Equinox was parked on the street and a large tree branch fell on it during a storm, this type of insurance would help you pay for the cost of repairs.

The following table will show you the average rates for comprehensive coverage on the Chevy Equinox for model years running between 2014 to 2018.

Chevy Equinox Comprehensive Car Insurance Rates By Model Year
Chevy Equinox Model YearAverage Comprehensive Car Insurance Rates
2018$282
2017$272
2016$262
2015$248
2014$238
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You might have noticed that there was a gradual progression in costs from the most recent model year to the oldest model year. This is due to the general rule that the more expensive the vehicle is, the more it costs to insure.

But what about the competition?

Let’s take a look at how the Chevy Equinox stacks up compared to other vehicles in the same class with regard to comprehensive insurance claims.

Chevy Equinox Comprehensive Loss Percentages vs. Other Small SUVs
VehicleComprehensive Loss Percentage
Chevy Equinox-29%
Chevy Trax-30%
Fiat 500X-33%
Ford EcoSport-30%
Ford Escape-25%
GMC Terrain-17%
Honda CR-V-23%
Hyundai Kona-33%
Hyundai Tucson-26%
Jeep Compass-36%
Jeep Renegade-7%
Jeep Wrangler-44%
Kia Sportage-17%
Mazda CX-5-28%
Mitsubishi Outlander14%
Nissan Rogue-21%
Subaru Forester-15%
Toyota C-HR1%
Toyota RAV4-23%
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At a clip of -29 percent, the Chevy Equinox has a comprehensive loss percentage that is better than the average for all small 4-door SUVs. Compare this to the Jeep Wrangler, which is substantially better than the average at -44 percent, while the Mitsubishi Outlander is higher than the median rate at 14 percent.

What are the theft rates of the Chevy Equinox?

Automakers like Chevrolet have made a lot of strides in the past few years when it comes to vehicle security. But even with anti-theft technology, car thieves are still managing to find ways to steal vehicles like the Chevy Equinox.

The National Insurance Crime Bureau (NICB) reported that two of Chevrolet’s models were among the most stolen vehicles in the country in 2018. The good news is that the Equinox is not one of them.

Even though the Chevy Equinox is a relatively uncommon target for car thieves, it’s not invincible. And it’s always a good idea to exercise caution when leaving your vehicle parked in public areas.

How do theft rates of the Chevy Equinox affect comprehensive car insurance rates?

When car insurance companies consider how much to charge for comprehensive coverage, they look at the home address of the applicant. Why do they do this?

Where you live plays a key role in the cost of insurance coverage, since providers assume that if you live in a high-crime area, there’s a greater risk of your vehicle being stolen.

Even though the Chevy Equinox is not one of the nation’s most commonly stolen cars, it’s still at risk if it’s consistently left in a designated crime hot spot determined by the U.S. Department of Justice.

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How much will it cost to repair my Chevy Equinox?

There’s a standard axiom about cars that we can probably all agree on: “the less a vehicle moves, the less expensive it is.”

It’s hard to argue with that logic because if your Chevy Equinox is sitting in the driveway, it’s not likely to get in an accident that will result in costly repairs.

Since this is the real world and you plan on driving your car, it might be useful to know that RepairPal reports the average cost of maintenance for a Chevy Equinox to be $537 per year. This includes regularly scheduled appointments like oil changes, tire rotations, and part replacements.

In case you want some more details, let’s take a look at what maintenance costs look like by vehicle part on the Chevy Equinox using data from Instant Estimator.

Average Chevy Equinox Car Repair Costs by Body Part
Car PartFront BumperRear BumperHoodRoofFront DoorRear DoorQuarter Panel
Body Labor$140.80$140.80$88$88$145.20$132$88
Paint Labor$176$176$184.80$220$149.60$149.60$167.20
Paint Supplies$104$104$109.20$130$88.40$88.40$98.80
Color Tint$22$22$22$22$22$22$22
Cover CarN/A$10$10$10$10$10$10
Hazardous Waste Disposal$5$5$5$5$5$5$5
Color, Sand, and Buff$22$22$22$22$22$22$22
Total Cost$469.80$479.80$441$497$442.20$429$413
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At almost $500, the roof is the most expensive part of the Chevy Equinox to repair. With that in mind, it’s a good idea to keep it parked a good distance away from anyplace where falling objects might be an issue.

How does the cost of repairs affect collision and comprehensive car insurance rates?

We get car insurance for a reason — because we want to be covered in case anything goes wrong out there on the road.

If you do find yourself in the unfortunate position of needing to file a claim after an accident, you might be worried about your rates increasing. But you shouldn’t worry too much.

Collision and comprehensive car insurance are designed to protect the driver from having to pay enormous out-of-pocket costs.

Collision coverage will pay for the cost of repairs on your vehicle after it gets damaged from colliding with another vehicle or object.

Comprehensive coverage offers even more protection by paying for damages to your vehicle that are outside of your control, such as natural disasters.

Your insurance company will foot the bill on any repairs as long as they’re covered under your policy. Rate increases will only happen at the discretion of your provider.

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How does the frequency of claims filed on the Chevy Equinox affect car insurance rates?

The number of claims you file affects rates. But claims other people file on the same car you own can affect your rates, too. Owners of some types of vehicles file more claims than others. That’s why we collected data from the Insurance Information Institute (III) that outlines the claim frequency, claim severity and overall loss per claim for SUVs like the Equinox. Check out how SUVs compare against all other passenger vehicles.

Car Insurance Claim Frequency in SUVs vs. All Passenger Cars
Car TypeClaim FrequencyClaim SeverityOverall Loss
SUVs6.5$6,045$393
All passenger vehicles7.3$6,005$438
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Since larger vehicles like SUVs are typically safer to drive, the $393 average loss per claim is less than what we see for most other vehicle types, which lose $438 per claim.

It’s also important to note that SUV drivers are making fewer claims at a clip of 6.5 per 100 insured vehicle years compared to the 7.3 claims per 100 vehicles from other types of cars.

These average figures are generalized based on different levels of coverage. The most basic form of car insurance that most states require you to have is called liability insurance, and this is true for drivers of all makes and models, including the Chevy Equinox.

Let’s take a look at the following table that shows how much it costs to insure this SUV based on the type of policy you choose.

Chevy Equinox Average Car Insurance Rates by Model Year
Model YearAverage Comprehensive
Car Insurance Rates
Average Collision
Car Insurance Rates
Average Liability
Car Insurance Rates
Average Total Rates
2018$282$506$398$1,344
2017$272$494$416$1,340
2016$262$474$430$1,324
2015$248$458$442$1,306
2014$238$424$452$1,272
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You might have noticed that the total premium goes down year by year. That’s because the more expensive a vehicle is, the more it costs to insure. Generally speaking, as your car depreciates in value, your insurance rate goes down.

What is the size and class of the Chevy Equinox?

The Chevy Equinox is classified as a small 4-door SUV. These types of vehicles generally score well in safety tests, but the Equinox performed even better by earning a Top Safety Pick (TSP) designation from the Insurance Institute for Highway Safety (IIHS) for the 2020 model year.

The size and weight of a vehicle affect the forces experienced by its driver and passengers during a crash. The well-balanced design of the Chevy Equinox is responsible for absorbing that blow, protecting vehicle occupants from major harm in a wreck.

The following video shows how the 2018 model received a score of “Good” for the passenger-side small overlap crash test.

These positive scores are pretty common for vehicles in this size and class. Take a look at the following table to see how the Chevy Equinox stacks up against similar models. This info displays the overall evaluation score for each vehicle.

Chevy Equinox Safety Ratings Compared to Other Small SUVs
Small 4-Door SUVOverall Evaluation ScoreStructure and Safety Cage ScoreDriver Restraints Score
Chevy EquinoxGoodGoodGood
Chevy TraxGoodAcceptableGood
Fiat 500XGoodAcceptableGood
Ford EcoSportGoodN/AN/A
Ford EscapeGoodGoodGood
GMC TerrainGoodGoodGood
Honda CR-VGoodGoodGood
Hyundai KonaGoodAcceptableGood
Jeep CompassGoodGoodGood
Jeep RenegadeGoodGoodGood
Jeep WranglerGoodGoodAcceptable
Kia SportageGoodGoodGood
Mazda CX-5GoodGoodGood
Mitsubishi Eclipse CrossGoodAcceptableGood
Mitsubishi OutlanderGoodAcceptableGood
Nissan RogueGoodAcceptableGood
Subaru ForesterGoodGoodGood
Toyota C-HRGoodGoodAcceptable
Toyota RAV4GoodGoodGood
Volkswagen TiguanGoodGoodGood
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While every small 4-door SUV received an overall evaluation score of “Good,” only 10 of the 20 models tested also received that classification for the “Structure and Safety” and “Driver Restraint” evaluations.

Automakers are always making improvements in crash protection. This has led to an overall increase in safer vehicles of all sizes. However, bigger vehicles are still generally safer than smaller ones, which is why 4-door SUVs like the Chevy Equinox test well.

How does the size of the Chevy Equinox affect bodily injury car insurance liability rates?

Bodily injury liability insurance will cover things like medical expenses and lost wages that result from an accident. If you’re deemed at fault and carry this type of insurance, your coverage should take care of the costs.

Chevy Equinox Bodily Injury Loss Percentages vs. Other Small SUVs
Car Make and ModelBodily Injury Loss Percentage
Chevy Equinox-3%
Chevy Trax33%
Fiat 500X9%
Ford Escape1%
GMC Terrain-10%
Honda CR-V-40%
Hyundai Tucson-10%
Jeep Compass22%
Jeep Renegade19%
Jeep Wrangler-2%
Kia Sportage-8%
Mazda CX-5-23%
Mitsubishi Outlander28%
Nissan Rogue9%
Subaru Forester-31%
Toyota C-HR-24%
Toyota RAV4-5%
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The Chevy Equinox has an insurance loss percentage of -3 percent for bodily injury, which is considered to be average for vehicles in the class of small SUVs.

Percentages are nice to know but it would be even more helpful to talk dollars and cents. Take a look at the following table, which shows sample rates for bodily injury car insurance on the Equinox. These figures are general and broken up from low to high coverage.

Chevy Equinox Average Bodily Injury Car Insurance Rates Based on Coverage Level
Car Insurance
Coverage Level
Car Insurance
Coverage Amount
Average Bodily Injury Liability RatesAverage 6-Month Total Rates
Low$25,000$80.59$577.28
Medium$50,000$113.97$596.42
High$100,000$126.54$607.50
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These figures tell us that if you elected to get the highest form of coverage for bodily injury protection, your six-month premium would be $607.50, or $101.25 per month.

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How does the size of the Chevy Equinox affect property damage car insurance liability rates?

Property damage liability will cover the costs to repair or replace other people’s property if you’re deemed at fault for an accident.

When it comes to small SUVs, property damage liability rates vary from model to model. Take a look at the following table to see which SUVs are paying more or less than the average for all cars that have this type of policy.

Chevy Equinox Property Damage Loss Percentages vs. Other Small SUVs
Car Make and ModelProperty Damage Loss Percentage
Chevy Equinox-16%
Chevy Trax12%
Fiat 500X-2%
Ford EcoSport-9%
Ford Escape-3%
GMC Terrain-14%
Honda CR-V-37%
Hyundai Kona-37%
Hyundai Tucson-10%
Jeep Compass13%
Jeep Renegade7%
Jeep Wrangler29%
Kia Sportage-14%
Mazda CX-5-10%
Mitsubishi Outlander6%
Nissan Rogue3%
Subaru Forester-21%
Toyota C-HR-28%
Toyota RAV4-5%
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After reviewing the data, the Chevy Equinox has an insurance loss percentage of -16 percent for property damage, which is once again average for vehicles in this class.

If you are curious to know what real figures you might expect to pay for property damage insurance on a Chevy Equinox, take a look at the following table.

Chevy Equinox Average Property Damage Car Insurance Quotes Based on Coverage Level
Car Insurance
Coverage Level
Car Insurance
Coverage Amount
Average Property Damage Liability RatesAverage 6-Month Total Rates
Low$25,000.00$235.70$577.28
Medium$50,000$221.46$596.42
High$100,000$219.97$607.50
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You might have noticed that the rate drivers pay for property damage coverage goes down from low to high. Providers might do this as a way of making the higher levels of coverage more affordable, rewarding drivers for acting responsibly.

What are the safety features of the Chevy Equinox?

One of the most significant factors that cause the Chevrolet Equinox to enjoy better-than-average car insurance rates is its numerous safety features. The Chevy Equinox has new, innovative safety features that include:

  • Six standard frontal and side-impact airbags
  • StabiliTrak traction control
  • ABS brake assist
  • One year free OnStar subscription

Let’s talk about the second safety feature we just listed.

Every Chevy Equinox uses a technology called StabiliTrak, which is instrumental in keeping insurance rates low. This stability control system uses rollover alleviation technology, which is unique to the Chevy Equinox, giving it an edge over the competition when it comes to safety.

What is StabiliTrak and how does it help lower insurance rates? Launched in 1997, first in many of General Motors’ Cadillac models, StabiliTrak is Chevy’s trademark for the Electronic Stability Control System.

This exclusive safety feature better protects drivers from the threat of rolling over when turning sharply or overcorrecting in an emergency situation. Since SUVs can be top-heavy, this type of technology eliminates one of the greatest fears of SUV drivers across the country.

Take a look at the following table, which includes safety scores from the IIHS. The positive marks throughout are a testament to the excellent design and safety features of the vehicle.

Chevy Equinox Crashworthiness Ratings
Crashworthiness CategoryChevy Equinox Rating
Driver-side small overlap frontGood
Passenger-side small overlap frontGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints & seatGood
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With such innovation present in this compact SUV, it’s no wonder that the Chevy Equinox scores well in safety ratings. We’ll go over this in detail in the next section.

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What are the safety ratings of the Chevy Equinox?

The National Highway Traffic Safety Administration (NHTSA) gave the Equinox a four-star safety rating when crash tests were performed. One of the reasons why the SUV scored so well is due to the fact that the structural integrity of the Chevy Equinox is built to absorb a significant amount of impact.

Chevrolet took driver safety even further by standardizing a number of new features like ABS brake assist and StabiliTrak, covered in the previous section. The combination of a strong design and helpful safety features make the Equinox a quality SUV from bumper to bumper.

Both drivers and third-party evaluators have taken notice.

In fact, owners of the new Chevy Equinox will usually be issued a lower rate in car insurance costs compared to many other SUVs on the market.

Furthermore, the Insurance Institute for Highway Safety (IIHS) has also chosen the Equinox as a “Top Safety Pick,” meaning that it has industry recognition for being one of the most dependable vehicles on the road.

Although many factors affect a vehicle’s auto insurance premiums, the available safety features are one of the most important. Not only do they lead to car insurance discounts but they also help determine the overall risk of injury in a vehicle.

The Chevrolet Equinox is outfitted with a StabiliTrak system with traction control that helps prevent or reduce the severity of rollovers, and the vehicle’s body is reinforced with a steel safety cage and six airbags that are designed to detect rollovers.

Owners can select an all-wheel drive system and a rearview camera system for added safety, and the Equinox comes standard with a four-wheel anti-lock brake system.

Drivers can be confident in their choice knowing that their vehicle received four out of five possible stars in federal safety tests, and it was awarded a full 5-star rating in side impact tests.

The Insurance Institute for Highway Safety gave the Chevrolet Equinox the highest possible rating of “Good” in several crash tests, including side impact and frontal offset, and selected the Equinox as one of its Top Safety Picks.

How does the safety of the Chevy Equinox compare to other vehicles with the same size and class?

There are plenty of small SUVs on the market, so you might be wondering how the Chevy Equinox stacks up against the competition in terms of safety, or maybe you want to know how safe this class of vehicles is in general.

This table shows the fatality rate of drivers who own a small SUV, using statistics from the IIHS.

Small SUV Car Crash Fatality Rate
Registered VehiclesDeathsRate (Per Million People)
7,818,47921227
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To summarize, the fatality rate of drivers who own a small SUV is 27 per million registered vehicles. By comparison, the average for all passenger vehicles is 37 deaths per million registered vehicles.

That makes the Chevy Equinox, along with other vehicles in this size class, safer than the average model.

Taking a closer look at these statistics, it’s helpful to know about the details of certain crashes to see which parts of the Chevy Equinox are more durable than others.

Let’s take a look at the following table that breaks down fatality rates for accidents based on where the initial point of impact occurred on the vehicle.

Occupant Deaths in SUV Car Crashes
Point of Initial ImpactCar OccupantsAll Occupants
FRONTAL
Number of Deaths:
Percentage of Total:
2,784
55%
12,932
56%
SIDE
Number of Deaths:
Percentage of Total:
930
18%
5,350
23%
REAR
Number of Deaths:
Percentage of Total:
286
6%
1,310
6%
OTHER (MOSTLY ROLLOVER)
Number of Deaths:
Percentage of Total:
1,035
21%
3,299
14%
ALL5,035
100%
22,891
100%
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As is the case with every vehicle type, frontal impact proves to be the most fatal for the Chevy Equinox. These types of crashes accounted for 55 percent of fatalities for SUV drivers in 2018.

Other Car Insurance Coverage Rates for the Chevy Equinox

Now that we know a little more about collision and comprehensive car insurance coverage for the Equinox, you might be wondering about other forms of car insurance you can opt into.

As it turns out, there are a couple more types of coverage called Personal Injury Protection (PIP) and MedPay. If you’re interested in getting the right amount of coverage to make sure you’re protected, do yourself a favor and keep reading.

How do safety ratings of the Chevy Equinox affect Personal Injury Protection (PIP) car insurance rates?

Now that we know how the Chevy Equinox scored on its safety ratings, we can discuss how these scores impact Personal Injury Protection (PIP) rates.

PIP coverage pays the minimum benefit amount for each person inside your vehicle who sustained an injury as a result of an accident.

The following table contains loss percentages for each model in the small 4-door SUV class when it comes to PIP rates. Looking through this data will give us an idea of how affordable PIP rates are for the Chevy Equinox compared to other similar vehicles.

Chevy Equinox PIP Loss Percentages vs. Other Small SUVs
Car Make and ModelPIP Loss Percentage
Chevy Equinox12%
Chevy Trax25%
Fiat 500X16%
Ford EcoSport17%
Ford Escape3%
GMC Terrain8%
Honda CR-V-14%
Hyundai Kona6%
Hyundai Tucson0%
Jeep Compass16%
Jeep Renegade7%
Jeep Wrangler-44%
Kia Sportage7%
Mazda CX-5-20%
Mitsubishi Outlander60%
Nissan Rogue29%
Subaru Forester-24%
Toyota C-HR25%
Toyota RAV432%
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After looking at these figures, the Chevy Equinox is once again considered to be about average, with a PIP loss percentage of 12 percent.

The Mitsubishi Outlander has the highest PIP loss percentage at 60 percent, and the Jeep Wrangler has a PIP loss percentage of -44 percent, which is the best in the class.

How do safety ratings of the Chevy Equinox affect MedPay car insurance rates?

Medical Payments (MedPay) is the last form of coverage we’ll look at in this section. Simply put, MedPay will cover medical bills for you and passengers in your vehicle if you’re involved in any type of wreck.

When it comes to evaluating insurance costs for small 4-door SUVs, the IIHS reported the following loss percentages for each vehicle in the class.

Chevy Equinox MedPay Loss Percentages vs. Other Small SUVs
Car Make and ModelMedPay Loss Percentage
Chevy Equinox15%
Chevy Trax49%
Fiat 500X7%
GMC Terrain2%
Honda CR-V-19%
Hyundai Tucson9%
Jeep Compass13%
Jeep Renegade25%
Jeep Wrangler-46%
Kia Sportage7%
Mazda CX-5-22%
Mitsubishi Outlander68%
Nissan Rogue28%
Subaru Forester-23%
Toyota C-HR24%
Toyota RAV419%
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At the risk of sounding like a broken record, the Chevy Equinox is once again in the average loss percentage field for MedPay at a clip of 12 percent. The Chevy Trax, however, has a loss percentage of 49 percent, which is much higher than the median for this class of vehicles.

We have gone through a lot of information about the Chevy Equinox after covering the history of the vehicle, its size class, and the average costs of insurance for this model.

Still, even the most thorough articles can leave out a few details you might be curious to learn about. That’s why we’re providing you with some frequently asked questions below.

What is the History of the Chevy Equinox?

Ever since production began in 2004, Chevrolet has provided the car-buying public with a sensible SUV that finds a nice balance between performance, safety features, and relevant technology.

That SUV is the Chevy Equinox, and it’s still winning over the masses in the third generation of its production cycle, which took place, fittingly, on the autumnal equinox of 2016.

So what has made the Chevy Equinox so popular with consumers from all walks of life? Take a look at the following video from LaPlante Chevrolet, which does an excellent job summarizing how far this SUV has come.

The proof is in the sales numbers. Data collected from GoodCarBadCar confirms that Chevrolet sold 346,049 Equinoxes in 2019, up from 332,621 in 2018. These figures have grown for the past four years, so it will be interesting to see if the model continues at that pace.

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About the Chevrolet Equinox

The Chevrolet Equinox was introduced to the public in 2005 as the first crossover SUV from Chevrolet.

The first generation 4-door Equinox featured a 5-speed automatic transmission, while the second generation model was upgraded with a 6-speed transmission and chrome styling.

The first generation Equinox came equipped with a 3.4-liter V6 engine, but the second generation models are outfitted with a 2.4-liter I4 direct injection system that gets 22 miles per gallon in the city and 32 miles per gallon on the highway.

Chevrolet Equinox Performance

While most consumers select the Chevrolet Equinox for its affordable price tag, low car insurance rates, and fuel economy, others are more concerned with performance metrics like engine power and towing capacity.

Performance-conscious consumers will be pleased to learn that the Equinox can be upgraded with a V6 engine, but this will decrease the vehicle’s fuel efficiency.

The standard model is rated to tow 1,500 pounds, but owners can more than double the towing capacity by upgrading to the larger V6 engine. Models with the 3.0 liter V6 engine are rated to tow up to 3,500 pounds.

Chevrolet Equinox Comfort and Styling

For many drivers, the vehicle’s interior comfort is just as important as its fuel economy and performance. In this category, the Equinox offers some appealing amenities, but will not be mistaken for a luxury vehicle.

Although Consumer Guide points out the poor quality of some interior materials, it adds that the overall appearance of the interior is pleasing.

Drivers can enhance the vehicle’s exterior by adding a chrome package and 18- or 19-inch chrome-plated wheels.

Chevrolet Equinox Technology

For consumers, a vehicle’s comfort and safety are increasingly equated with technology, and the Chevrolet Equinox does not disappoint in this category.

Available features include:

  • An OnStar navigation system
  • WiFi by AutoNet Mobile, which provides Internet access to users within a 150-foot radius of the vehicle
  • Rear-seat entertainment package, which allows rear-seat passengers to watch movies or play video games. This will be a hit with families on long trips.

Frequently Asked Questions: Chevy Equinox

This final section of the article is going to provide answers to the most frequently asked questions consumers have regarding this vehicle. Take a look so you can consider yourself an expert on all things Equinox.

How many miles will a Chevy Equinox last?

While there are many factors that go into how long a Chevy Equinox will last, plenty of owners have reported that the vehicle held out for 100,000-150,000 miles. The best way to keep this compact SUV in working condition is by taking it in for regularly scheduled maintenance appointments. Some drivers have even reported eclipsing the 300,000-mile mark with a 2012 model.

Why is the Chevy Equinox so affordable?

Chevrolet designed the Equinox to be an efficient, well-designed SUV that caters to the masses. The base-level L model comes with only the essentials — more money is spent on the engine and parts so it will last for the long haul. Due to its simple yet reliable nature, the Chevy Equinox comes with an affordable price tag. But you can choose to upgrade by getting one of the higher trim levels that come with more features.

Is the Chevy Equinox a safe car?

After going through a minor redesign in 2018, the Chevy Equinox is safer than ever. The NHTSA has given the compact SUV positive scores after performing well in several crash tests. Between its solid structural design and number of safety features, drivers should feel safe behind the wheel of every Equinox, especially the most recent model years.

How is the Chevy Equinox in the snow?

Snowy weather and icy roads make driving more difficult for everybody, which is why the Chevy Equinox gets ahead of the problem with all-wheel-drive (AWD) capabilities. This feature helps with tire traction, even in terrible road conditions brought on by inclement weather. In addition to AWD, the Equinox comes equipped with a suite of safety technologies to help drivers navigate through difficult weather conditions.

What are the common problems with the Chevy Equinox?

In the earliest model years between 2005-2007, the NHTSA reported that there were several complaints about the engine of the Equinox.

Despite these complaints, there has never been an official recall on the SUV. Headlight brightness is another issue that some owners of the Equinox have complained about. However, Chevrolet has listened to its customers and continues to make vast improvements on this popular compact SUV each year.

If you’ve been thinking about hopping behind the wheel of an Equinox, be sure to enter your five-digit ZIP code in the box below. You’ll be able to see instant rates from multiple car insurance providers so you can drive safely and confidently with a brand-new policy to match your needs.

How much is car insurance for a Chevrolet Equinox?

Car insurance for a Chevrolet Equinox has average rates of $112/month in the US. Compare Chevy Equinox insurance quotes online to lower your car insurance rates by up to 20%. We recommend getting Geico quotes, Progressive insurance, and quotes from smaller companies.

  • The Chevy Equinox has several features that help keep insurance costs down
  • Your personal driving history will have a greater impact on your insurance costs
  • The Equinox offers several options in the area of technology

If you’re looking to buy a fuel-efficient crossover, you’re probably considering the Chevrolet Equinox, which gets 32 miles per gallon on the highway.

When buying a new car, truck or SUV, though, potential owners have lots of questions about the vehicle’s cost of ownership.

Smart buyers research the vehicle’s maintenance costs and potential resale value before buying, but one factor that many consumers forget to consider when calculating the cost of ownership is the cost of car insurance.

Entering your ZIP code in the box above will give you FREE personalized information about the cost of car insurance for a Chevrolet Equinox. Before you do so, read on to get more details about this popular crossover model.

How much is car insurance for the Chevrolet Equinox?

Car insurance rates always depend on a variety of factors, and the most important of these factors usually involve the owner, not the vehicle itself.

Your credit score, place of residence, and driving record all affect your insurance premiums, and even personal characteristics like age, gender, and marital status can play a role.

Car insurance for the Chevrolet Equinox does average around $1,350 per year or $112 monthly.

What SUV has the cheapest insurance?

The cheapest cars to insure are:

What SUV has the cheapest insurance?
RankSUVAnnual Average Rates
1Honda CR-V$2,346/year
2Toyota RAV4$2,475/year
3Chevrolet Equinox$2,560/year
4Ford Escape$2,834/year
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Is a chevy equinox expensive to insure? It’s affordable with a good driving record.

Is the equinox insurance company connected to the Chevy Equinox?

No it is not. Make sure to use our car insurance cost estimator below to get rates from multiple companies.

However, based on the factors discussed earlier, your personal insurance premiums could be much higher or lower than this estimate. Enter your ZIP code in the box below to get the most accurate car insurance rates for FREE.

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