Finding cheap insurance for a Chevrolet Equinox is pretty simple for most people to do, but it is dependent upon lots of different rating factors such as whether you are single or married, your credit history, and any prior driving citations you have received. Arizona drivers will pay on average $912 per year for Equinox insurance, but that amount is based on a 30-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
This brings up the issue that more than likely you’re not a 30-year-old female, you might be married instead of single, or maybe you prefer higher deductibles. Just a slight change in the factors used in pricing a policy may result in a big change in how much insurance for a Chevrolet Equinox costs.
Different coverage needs are the reason why the best way to find the cheapest insurance price for your Chevrolet is to do a thorough rate comparison.
The trim level of your Chevrolet will be a contributing factor to the insurance rate, so the cost to insure a Equinox LS 2WD trim level will be $76 less expensive the insurance cost for the more expensive Equinox LTZ AWD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $158 | $302 | $404 | $24 | $122 | $1,010 | $84 |
| Equinox LT 2WD | $158 | $302 | $404 | $24 | $122 | $1,010 | $84 |
| Equinox LS AWD | $158 | $302 | $404 | $24 | $122 | $1,010 | $84 |
| Equinox LT AWD | $158 | $302 | $404 | $24 | $122 | $1,010 | $84 |
| Equinox LTZ 2WD | $180 | $356 | $404 | $24 | $122 | $1,086 | $91 |
| Equinox LTZ AWD | $180 | $356 | $404 | $24 | $122 | $1,086 | $91 |
| Equinox LTZ AWD | $180 | $356 | $404 | $24 | $122 | $1,086 | $91 |
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in specific garaging location which can decrease or increase premium rates significantly.
Selecting a high-quality insurance provider can be rather challenging considering how many companies are available to choose from in Arizona. The company information displayed below can help you pick which auto insurers you want to consider comparing prices from.
The ratings below are only comprised of the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not factored into this list. To compare prices from the insurers below and more, just click here.
Top 10 Large Auto Insurance Providers in Scottsdale Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Large Auto Insurance Providers in Scottsdale Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Types of discounts on Scottsdale insurance rates
Auto insurance companies that offer quotes for a Chevrolet Equinox may also offer premium discounts that can lower rates by as much as 35% or more if you meet the requirements. Companies and some of the premium reductions they offer are shown below.
- AAA may have discounts that include multi-car, AAA membership discount, education and occupation, good driver, good student, and multi-policy.
- Progressive has discounts for online quote discount, multi-vehicle, continuous coverage, homeowner, online signing, and good student.
- State Farm includes discounts for anti-theft, Drive Safe & Save, multiple autos, good student, accident-free, and student away at school.
- Esurance policyholders can earn discounts including Switch & Save, paid-in-full, homeowner, good student, DriveSense, multi-policy, and online shopper.
- Nationwide may include discounts for Farm Bureau membership, multi-policy, easy pay, business or organization, family plan, and anti-theft.
The example below compares premium costs with and without discounts applied to the policy rates. The information is based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, claim-free, multiple vehicle, marriage, safe-driver, and defensive driving course discounts applied. When discounts are applied, the average savings per year on car insurance for a Chevrolet Equinox is 28% or $532.
Poor driving habits will raise your car insurance rates
The recommended way to maintain the most affordable car insurance prices in Scottsdale for an Equinox is to drive carefully and have a clean driving record. The example below demonstrates how citations and at-fault fender-benders drive up insurance premiums for different age groups of insureds. The rate quotes are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of an auto insurance policy in Arizona per year with no violations or accidents is $1,224. Add in one speeding ticket and the average cost surges to $1,428, an increase of $204 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Chevrolet Equinox goes up to an average of $3,299. That’s an increase of $2,075, or $173 per month, just for being a careless driver!
If you have coverage questions and would like to have a professional recommendation when buying car insurance for a Chevrolet Equinox, the agencies below are willing to provide answers to your questions and help you determine which insurance coverage you need.
To find a Scottsdale insurance agency by location nearest to you, click the button link following the list or click here to compare price quotes.
- Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 - Robert Smith – State Farm Insurance Agent
7505 E 6th Ave Ste 204 – Scottsdale, AZ 85251 – (480) 588-6456 - American Family Insurance – J M Chapman Agency Inc
7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122 - Roz Bankston – State Farm Insurance Agent
6900 E Camelback Rd #820 – Scottsdale, AZ 85251 – (480) 897-6500
More Scottsdale, AZ insurance agents
How to find low-cost car insurance for a Chevrolet Equinox
The list below shows some of the recommended thrifty ideas that can help drivers get more affordable auto insurance.
- Drive vehicles with five-star safety ratings
- Do not get into accidents that are your fault
- Do not get traffic citations
- Avoid price increases by not filing claims
- Bundle home and auto and earn a discount
- Don’t waste money on full coverage for older vehicles
- Comparison shop frequently
The last item on the list is extraordinarily critical, as we pointed out in this piece. Prices fluctuate considerably, so don’t be afraid to switch companies if you can save money. Having a favorite company is great, but it’s not a great idea if your bullheadedness ends up costing you a small fortune. In less than five minutes you could compare prices to find cheaper insurance for a Chevrolet Equinox in Scottsdale.