How Much Does Insurance Cost for a Chevrolet Equinox in New York?

How Much Does Insurance Cost for a Chevrolet Equinox in New York?

Your chances of buying the best cheap auto insurance for a Chevrolet Equinox in New York is dependent upon many rating factors such as age of the driver, whether or not you have had gaps between policies, and your choice of deductibles. Drivers in New York on average will pay $570 per year to insure an Equinox, but that figure is a valuation based on a 50-year-old married male driver with full coverage and $1,000 policy deductibles.

There is a good chance you’re not a 50-year-old male, single instead of married, or maybe you need higher liability limits than the state minimum. Making even small differences in the factors used in pricing a policy could end up in a significant change in the rate quoted for a Chevrolet Equinox.

This illustrates why the way we recommend to find cheap auto insurance rates for your Chevrolet is to just take the time to do a thorough rate comparison.

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Vehicle trim level will have an impact the annual cost of coverage, so the rate you pay to insure a Equinox LS 2WD will cost $48 less than the price to insure the more well-appointed Equinox LTZ AWD model, as shown in the prices below.

Chevrolet Equinox Insurance Rates in New York
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $98 $184 $254 $16 $76 $628 $52
Equinox LT 2WD $98 $184 $254 $16 $76 $628 $52
Equinox LS AWD $98 $184 $254 $16 $76 $628 $52
Equinox LT AWD $98 $184 $254 $16 $76 $628 $52
Equinox LTZ 2WD $112 $218 $254 $16 $76 $676 $56
Equinox LTZ AWD $112 $218 $254 $16 $76 $676 $56
Equinox LTZ AWD $112 $218 $254 $16 $76 $676 $56
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in specific location which can influence prices considerably.

Buying coverage from the best company can be difficult considering how many companies sell insurance in New York. The rank data below could help you select which car insurance companies you want to consider purchasing from.

The ratings below are only made up of the largest companies in the United States, so companies with more of a regional focus are not taken into consideration for this list. To check rates from these and other competitive companies, follow this link.

Top 10 Large Auto Insurers Overall in New York

  1. The General
  2. Mercury Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA

Top Companies for Chevrolet Equinox Insurance in New York

Insurance rate increases from tickets or accidents

The obvious way to enjoy low car insurance premiums in New York for an Equinox is to drive cautiously and not get tickets or have accidents. The illustration below highlights how speeding tickets and fender-benders impact car insurance rates for different age groups. The rate quotes are based on a single female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

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The data in the chart shows the average cost of a car insurance policy in New York per year with no accidents or violations is $1,570. Get written up for two speeding tickets and the average cost jumps to $2,106, an increase of $536 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Chevrolet Equinox jumps again to an average of $4,080. That’s an increase of $2,510, or $209 per month, just for not driving attentively!

Best rates: State Farm, Progressive, Geico, or Allstate

When comparing insurance for an Equinox in New York, four of the larger companies to compare rates for are State Farm, Progressive, Geico, and Allstate. If you add them together, they insure almost half of the entire U.S. market share. Each company has a distict selection of optional coverages and features that may influence your choice. The following table points out ratings for price and service, as well as some optional coverages that may be available in New York.

Top U.S. Car Insurance Company Ratings
State Farm Progressive Geico Allstate
Discounts Offered 3rd 4th 2nd 1st
Claims Rank 2nd 4th 3rd 1st
Overall Satisfaction 4th 3rd 1st 2nd
Policy Cost 2nd 3rd 1st 4th
Rideshare coverage Yes Yes Yes Yes
Mechanical breakdown insurance No Yes Yes No
New car replacement No No No Yes
Rate for vehicle usage Yes Yes No Yes
Roadside assistance Yes Yes Yes Yes
Accident forgiveness No Yes Yes Yes
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