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Car Insurance Quotes for the Chevrolet Equinox

Are You Getting the Cheapest Car Insurance Available for Your Equinox?

Illustration of Chevrolet Equinox

How Much Is Car Insurance for a Chevy Equinox?

The Chevrolet Equinox has an average minimum liability annual premium of $495 versus $1,467 for full coverage. Many factors go into determining your premium and everybody’s policy rates are different. Your age, gender, where you live and your driving history are among the most important factors.

The state you live in regulates basic rates for car insurance and after that, underwriters look at how liable you are to file a claim. If you are young, drive a sports car and live in a high crime area, your rates will be much higher than those who are more mature, drive a safe model and live in a low-crime area. SUVs, like the Equinox, are considered safe and don’t cost much to repair, so that should help get you a favorable rate.

If you are unclear about how to find cheap car insurance that meets your needs, call one of our professional Freeway agents to walk you through it.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for Your Equinox to Other Vehicles

Not all vehicles in the compact SUV segment pay the same average premiums. Engine size, body style, recall history, and similar factors all vary.

Make/Model Annual Full Coverage Insurance
Chevrolet Equinox $1,467
Mazda CX-5 $1,522
Hyundai Tucson $1,278
Ford Explorer $1,536
Subaru Forester $1,064

Types of Coverage for Your Chevy SUV

Freeway Insurance is ready to present various auto coverage options for you, including full and state minimum liability.

Full Coverage

Full coverage offers substantially greater protections over a state minimum liability policy, most notably with the inclusion of comprehensive and collision. Both insurance types protect you against various scenarios, such as vehicle-to-object collisions and theft.

Some leasing and financing companies require that you carry a full policy to preserve their vehicle’s value better.

Full coverage generally costs hundreds of dollars more per year than minimum liability. That said, it is well worth the cost. Remember to evaluate your liability limits as well. Property damage liability in some states can be as low as $15,000, which is well below the average cost of a new vehicle.

Do not let a car accident force you to pay out of pocket for expenses and affect your monthly budget for years to come.

State Minimum Liability

All drivers must carry state minimum liability with required limits for bodily injury per person, bodily injury per accident, and property damage per accident. This type of coverage pays for injuries and property damage caused to others as well as any legal defense fees you may incur in case of lawsuits.

For example, suppose you drive a Chevrolet Equinox in California. In that case, you must carry a minimum 15/30/5 policy, or $15,000 in bodily injury per person, $30,000 in bodily injury per accident, and 5,000 in property damage liability.

Note that state minimum liability excludes miscellaneous items like uninsured motorist, personal injury protection, gap coverage, rental car reimbursement, and medical payments (MedPay).

Chevrolet Equinox SUV in a lot

How Does a DUI Affect Insurance Rates for Your Chevy?

DUIs have a detrimental effect on auto premiums paid by Chevrolet Equinox drivers.

On top of a suspended driver’s license, registration and fines, your auto insurance provider now sees you differently.

For starters, you can expect your rates to skyrocket, even doubling or tripling in some cases, depending on the severity of the offense. You may also be required to file an SR-22, a proof of financial responsibility that lets the state know you are carrying the minimum required liability limits to drive legally. Not all states require SR-22s.

Worst of all, your rates will remain elevated for a minimum of three years. Your DUI conviction will also stay on your record for several years. Each state has its own look-back window. For example, DUIs remain on Texas driver records for life, versus 10 years in California.

If you have recently been convicted of a DUI, we encourage you to shop around and compare rates between different companies. Every auto insurance classifies DUI arrests differently, so you may be able to find lower DUI insurance rates elsewhere.

What Are Some Auto Insurance Discounts?

Fortunately, Chevrolet SUV drivers can benefit from discounts to lower their monthly bills. Discounts offered by your insurance company can include but are not limited to usage-based, multi-policy, and safety feature-related discounts.

  • Usage discounts are awarded in exchange for exercising solid driving habits. For example, some providers allow drivers to install an in-vehicle telematics device to monitor driving behavior, such as speed and acceleration habits.
  • Multi-policy (or multi-line) discounts reward drivers for purchasing two or more policies under the same insurer. Estimated savings for this bundling can be anywhere from 5-25%, depending on the insurer.
  • As for safety-related discounts, these are extended to drivers who install daytime running lights, anti-lock brakes and other safety-oriented features in their vehicles.
  • Likewise, stolen vehicle recovery systems (e.g., LoJack) and VIN etching, which permanently etches your vehicle’s identification number on your windshield, are an excellent way to convince car thieves not to touch your vehicle.

To see what (if any) new discounts you may qualify for, call your auto insurance company every year or when your circumstances change.

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What Are Some of the Characteristics Of the Equinox?

It’s a vehicle in the compact SUV segment that comes in four trims – LS, LT, RS, and Premier.

Unlike some competitors, the Chevy Equinox only comes with a single engine – a 175-horsepower turbocharged 1.5-liter 4-cylinder with six-speed automatic transmission.

The base LS trim comes standard with a seven-inch touch screen, a six-speaker stereo, four USB ports, and a slew of safety features such as forward automatic emergency braking and automatic high beam headlights.

Upgrading to the highest-level trim, Premier, increases screen size to eight inches with wireless device charging, 18-inch wheels, and an optional Confidence & Convenience II package, which offers a surround-view parking camera system and 8-way power adjustable passenger seating.

Main competitors are the Mazda CX-5, Hyundai Tucson, Ford Bronco Sport, and Subaru Forester.

Find the Best Car Insurance Rates Online

Freeway Insurance is happy to to help you review your options. All drivers must have an active auto insurance policy to drive legally.

To get started, request a quote online, visit us at one of our offices or call 800-777-5620 to speak with one of our agents about which options works best for you. We look forward to hearing from you. Call us today!

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