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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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The budget-friendly Equinox, Chevrolet’s versatile crossover SUV, starts at $28,600 for the 2025 model and is one of the cheapest SUVs to insure. The average car insurance rate for a Chevrolet Equinox is $132 per month, according to Compare.com data — much lower than the average for all vehicles.
The Equinox’s affordable MSRP and five-star vehicle safety rating from the National Highway Traffic Safety Administration (NHTSA)[1] likely contribute to its lower-than-average auto insurance rates.
That said, factors like your age, driving history, location, and coverage requirements determine which insurance company offers the best deal for you. We compared average rates to find the cheapest insurers by driving profile and coverage, and we’ll show you several ways to save even more on Equinox insurance.
Chevrolet Equinox car insurance averages $93 per month for liability coverage and $171 for full coverage.
Novo offers the cheapest auto insurance for Equinox drivers, with an average monthly cost of $47.
Comparing car insurance quotes from multiple companies is the best way to save on your policy.
Chevrolet Equinox insurance rates depend partly on the type of car insurance policy you choose. A liability-only policy covers injuries and property damage you cause to others in an accident. In contrast, a full-coverage policy includes liability, comprehensive, and collision coverage to protect your vehicle. It also can include medical payments coverage, which helps cover medical expenses if you’re hurt in a car accident.
The table below shows the average monthly cost to insure all vehicles with liability-only and full coverage, as well as the cost to insure a Chevrolet Equinox, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Chevrolet Equinox | $93 | $171 | $132 |
| All vehicles | $107 | $197 | $152 |
Chevrolet Equinox car insurance costs an average of $93 per month for liability only and $171 for full coverage, based on our data.
But the coverage you choose is just one of several factors affecting your cost. Comparing rates from several companies can help you save even more.
Even though the average cost of insurance for the Chevrolet Equinox is just $132 per month, you can find ways to get even cheaper rates.
The table below shows the five cheapest insurance companies for the Chevy Equinox, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Novo | $47 |
| Mile Auto | $63 |
| Certainly | $73 |
| Root | $75 |
| Mercury | $91 |
Novo has the cheapest average insurance cost for the Chevrolet Equinox, at just $47 per month.
Although these five companies are the cheapest on average, they may not be the cheapest for all Equinox drivers. With so many factors affecting premiums, it’s worth comparing quotes from several companies to get the best deal for your specific coverage needs.
Compare quotes from America’s cheapest insurers.
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No single company is the best insurer for all drivers. But a few stood out after we analyzed average rates, coverage options, available discounts, and customer ratings.
The following three companies are some of our top picks, whether you’re a safe driver, need full coverage, or don’t put a lot of miles on your car.
Average premium: $75 per month
Compare.com Rating: 3.43 out of 5
Affordable rates
Fast claim-filing process
Available in most states
Few available discounts
Rates increase with risky driving
No gap insurance coverage
New-age insurer Root advertises annual savings of up to $900 for the best drivers. So if you’re a safe driver who’s okay with allowing your insurer to track your driving habits, Root may be a good fit. But several reviewers stated their final rates were higher than expected, mentioning the app charged them for trips where they were passengers and not drivers.
The app also lets you file a claim, get roadside assistance, and make policy changes. While Root has a fast claim-filing process, it offers few policy discounts.
Average premium: $91 per month
Compare.com Rating: 4.28 out of 5
Offers mechanical breakdown protection
Rideshare coverage available
Plenty of available discounts
Available in only 11 states
Below-average auto claims satisfaction score
No mobile app
Mercury may be a good fit if you’re an Equinox driver who needs full coverage. It offers multiple optional coverages to customize your policy, such as custom equipment, ridesharing, rental car reimbursement, and gap insurance. You can also buy mechanical breakdown protection, which might be cheaper than an extended warranty.
Although it doesn’t have a mobile app, Mercury offers a variety of discounts. And while the company received an above-average shopping rating in J.D. Power’s 2024 U.S. Insurance Digital Experience Study,[2] its service rating and claims satisfaction scores are both below average.
Average premium: $63 per month
Compare.com Rating: 2.98 out of 5
Monthly mileage determines premium
No data-tracking requirement
Simple quote process
Available in only seven states
Average customer ratings
Limited coverage options
If you work from home, have a short commute, or drive less than 10,000 miles per year, you could save up to 40% with pay-per-mile car insurance company Mile Auto. It uses standard factors like your age, driving history, gender, and location to determine your base rate. Then, you pay an additional per-mile rate for every mile you drive each month.
Mile Auto doesn’t track your miles or driving habits with a telematics device but instead requests a picture of your odometer each month to calculate your rate. But you may want to look elsewhere if you want optional coverages other than roadside assistance or rental reimbursement.
Comparing quotes saves users an average of $867 per year.†
The age of your Equinox indirectly affects your insurance cost. Generally, the more your Equinox is worth, the more you’ll pay for car insurance. That means it usually costs more to insure a brand-new vehicle than an older model.
The following table shows the average monthly premium for each Equinox model year, the cheapest insurer, and its average insurance cost, based on Compare.com data.
Equinox Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $160 | Elephant | $112 |
| 2024 | $155 | Mile Auto | $65 |
| 2023 | $154 | Mile Auto | $79 |
| 2022 | $142 | Mile Auto | $77 |
| 2021 | $156 | Mile Auto | $73 |
| 2020 | $141 | Mile Auto | $72 |
| 2019 | $140 | Mile Auto | $70 |
| 2018 | $137 | Mile Auto | $66 |
| 2017 | $126 | Mile Auto | $56 |
| 2016 | $122 | Mile Auto | $55 |
Now, let’s take a look at how your location affects your insurance rates.
Each state and ZIP code has different weather patterns, crime and accident rates, and costs for medical care, legal expenses, and vehicle repairs. Insurers use these factors to determine local rates, which is why your premium can vary significantly based on where you live.[3]
Check out the table below for average monthly premiums by state, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $87 |
| Arizona | $116 |
| Arkansas | $167 |
| California | $168 |
| Colorado | $136 |
| Connecticut | $265 |
| Delaware | $162 |
| Florida | $170 |
| Georgia | $173 |
| Idaho | $88 |
| Illinois | $109 |
| Indiana | $94 |
| Iowa | $79 |
| Kansas | $107 |
| Kentucky | $170 |
| Louisiana | $157 |
| Maine | $103 |
| Maryland | $240 |
| Massachusetts | $131 |
| Michigan | $204 |
| Minnesota | $131 |
| Mississippi | $131 |
| Missouri | $128 |
| Montana | $106 |
| Nebraska | $122 |
| Nevada | $208 |
| New Hampshire | $80 |
| New Jersey | $138 |
| New Mexico | $101 |
| New York | $335 |
| North Carolina | $65 |
| North Dakota | $101 |
| Ohio | $89 |
| Oklahoma | $113 |
| Oregon | $112 |
| Pennsylvania | $114 |
| Rhode Island | $100 |
| South Carolina | $191 |
| South Dakota | $84 |
| Tennessee | $98 |
| Texas | $155 |
| Utah | $127 |
| Vermont | $95 |
| Virginia | $126 |
| Washington | $97 |
| Washington, D.C. | $198 |
| West Virginia | $101 |
| Wisconsin | $89 |
| Wyoming | $84 |
Personal factors you can’t control often have the most significant effect on your insurance premium. Here’s how age affects your car insurance cost.
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Your age is one of the primary rating factors insurers use to price car insurance. Teens and young drivers pay the most. Drivers between the ages of 16 and 19 have the highest crash and fatality rates, resulting in the most expensive average premiums.[4]
Premiums and overall crash rates decrease as you age and gain experience, although that trend reverses when you reach age 70.[5]
In the table below, we break down the average monthly cost of Chevrolet Equinox insurance by age group, including the cheapest insurer for each and its average monthly premium.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $248 | Novo | $88 |
| 20s | $170 | Novo | $60 |
| 30s | $132 | Novo | $47 |
| 40s | $121 | Novo | $43 |
| 50s | $109 | Novo | $39 |
| 60s | $102 | Novo | $36 |
| 70s | $109 | Novo | $39 |
Novo’s monthly average insurance rate for teens is $88 — nearly 65% less than the average teen pays to insure an Equinox. Seniors pay an average of $39 per month with Novo — about 64% less than drivers older than 70 pay, on average.
Your driving record also significantly affects your insurance cost. If you’re a driver with tickets or accidents on your record, you’ll pay more for your car insurance than drivers without infractions.[6]
The table below shows insurance costs based on your driving record and the cheapest insurance company’s average monthly premium for each driver profile, according to data from Compare.com.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $132 | Novo | $47 |
| Speeding ticket | $183 | Novo | $77 |
| At-fault accident | $191 | Novo | $68 |
| DUI | $217 | Novo | $65 |
If you cause an accident or get a DUI, your insurance rates increase substantially. For example, the average rate to insure an Equinox after an at-fault accident is $191 per month — or $2,292 per year. Costs are even higher after a DUI, at $217 per month.
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Chevrolet offers several Equinox trim models, each with various features and options.[7] The LT and RS models are likely cheaper to insure than the higher-priced ACTIV and Equinox EV. Electric vehicles like the EV cost around 8% more to insure, on average, than their fuel-powered counterparts, according to Compare.com data.
That said, the Equinox has excellent NHTSA safety ratings, earning five stars each year since 2018 and a four-star rating for several years prior. Vehicles like the Equinox with advanced safety features qualify for lower insurance rates and safety discounts, often resulting in cheaper premiums.
Activating OnStar may also reduce your insurance premium. The GPS tracking system qualifies as an anti-theft device, which insurers often reward with a discount.[8]
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If you’re looking to get even cheaper Chevrolet Equinox car insurance, these tips may help:
Buy only the coverage you need. If you have a new Equinox, full coverage usually makes sense and may even be required if you finance your vehicle. But if you have an older model you can afford to repair or replace, you may need only liability coverage.
Consider the total costs of your Equinox. Each Equinox model has different features and options, which can affect your cost of ownership. If you’re in the market for a new-to-you Equinox, consider the car payment and insurance combined to get the best deal.
Avoid distracted driving. Don’t let the in-car technology distract you while driving. A big touch screen is great, but it could increase accident risk — and your insurance costs.
Shop around frequently. Don’t rely solely on insurance averages; shop around when your policy renews for your best price. Using a car insurance comparison site lets you view quotes from multiple companies at the same time to ensure you’re getting the best rate.
Compare personalized quotes from America’s top insurers.
We answered common questions drivers ask about Chevrolet Equinox car insurance below.
No. A Chevrolet Equinox tends to be less expensive to insure than other vehicles, based on average rate data. The average monthly cost of Equinox car insurance is $132, while the national average for all vehicles is $152, according to Compare.com data.
The cost of car insurance for a Chevy Equinox depends on the model and your personal information, such as age, driving record, credit history, and ZIP code. On average, Equinox drivers pay $132 per month, or $1,584 per year.
The cost to insure a Chevrolet depends on the model, your age, your driving record, the state you live in, the coverage you choose, and other factors. The national average cost of Chevrolet car insurance is $144 per month, according to Compare.com data.
Yes. Insurers look at safety features, repair costs, and theft rates to determine insurance rates for each make and model. Vehicles with higher price tags — like high-performance and luxury vehicles — and those with higher theft rates are often the most expensive to insure.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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