How much is insurance on a Chevrolet Equinox?

A 2024 Chevrolet Equinox runs about $1,810 a year for a typical 45-year-old, $130 less than an average car of the same age, because of lower non-crash losses, lower crash-repair losses, less damage to others' property, and fewer injury claims. Putting a new 16-year-old on a family policy with the Equinox adds about $1,200 a year (#11 of 26 small SUVs we compare).

2024 Chevrolet Equinox (Equinox AWD), national average

about $1,810 a year (about $150 a month)

Estimated range: $1,350–$2,400. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Equinox drops to about $1,460 (see the table below).

A Chevrolet Equinox from the 2018–2024 generation. Photo: MercurySable99, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Equinox AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Equinox's rank is the same in every state.

Why the Chevrolet Equinox costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Chevrolet Equinox 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 85 for crash repairs, 70 for non-crash damage, 85 for damage to others' property, and 92 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage15% better than average17th best of the 26 small SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average30% better than average7th best of the 26 small SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage15% better than average8th best of the 26 small SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 8% less often than average9th best of the 24 small SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Equinox comes out about 19% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 8% less than average: about $880 a year vs $950. On the liability side, damage to others and injury claims combine to about 11% better than average. We count about half, so that part is about 6% less: $930 a year vs $990.

How the math works

In EPA size classes, the Equinox is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Chevrolet Equinox is benchmarked against small SUVs.

Matched to HLDI series “Chevrolet Equinox 4dr 4WD” (HLDI, 2022–24 models).

A used Chevrolet Equinox, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Equinox AWD (0–3 years old)	about $1,810	about $930	+$1,200	about $5,200
2022 Equinox AWD (4–7 years old)	about $1,710	about $930	+$1,130	about $4,890
2018 Equinox AWD (8–12 years old)	about $1,620	about $940	+$1,070	about $4,650
2013 Equinox AWD (13 or more years old)	about $1,460	about $910	+$970	about $4,200

Our catalog covers the Chevrolet Equinox across model years 2006–2027. Full coverage on a used 2013 Equinox (13 or more years old) runs about $1,460 a year, $350 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $910 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Chevrolet Equinox trims, full coverage goes from about $1,790 a year on the Equinox EV AWD to about $1,900 on the Equinox FWD, because HLDI's loss results differ by body, drive, or powertrain.

Equinox EV AWD; Equinox EV FWD: about $1,790
Equinox AWD: about $1,810
Equinox FWD: about $1,900

On a policy of their own with a 2024 Chevrolet Equinox, a 22–25-year-old pays about $2,350 a year ($540 more than a 45-year-old), a 26–39-year-old about $2,010, and a driver 65 and older about $1,900.

Adding a 16-year-old with a Chevrolet Equinox

Because the Chevrolet Equinox starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,200 a year ($100 a month), $90 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,200 a year, about $4,000 more than sharing the family policy.

For adding a teen driver, the Chevrolet Equinox ranks 33rd cheapest out of all 121 models we track. Stepping down to a used 2013 Equinox (13 or more years old) brings the teen add-on to about $970 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Chevrolet Equinox is the 11th least expensive to insure. Right next to it are the Volkswagen Taos (about $1,810 a year) and the Ford Bronco Sport (about $1,830).

Photos from Wikimedia Commons contributors. Photo credits.

What a Chevrolet Equinox costs in your state

In six sample states, a 2024 Chevrolet Equinox runs from about $1,260 a year in Hawaii through Kansas, Illinois, Oklahoma and New Jersey to about $2,170 in Texas:

Hawaiiabout $1,260/yr · +$830 teen
Kansasabout $1,490/yr · +$980 teen
Illinoisabout $1,580/yr · +$1,040 teen
Oklahomaabout $1,670/yr · +$1,100 teen
New Jerseyabout $2,130/yr · +$1,410 teen
Texasabout $2,170/yr · +$1,430 teen

All 50 states and DC · Updated November 5, 2026.

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