How Much are Insurance Quotes for a Chevrolet Equinox in Washington?

How Much are Insurance Quotes for a Chevrolet Equinox in Washington?

The chances of finding cheaper auto insurance for a Chevrolet Equinox in Washington is dependent upon a pretty complex algorithm that uses a lot of factors such as when you were born, whether or not you are currently insured, and the level of deductible you choose. Drivers in Washington will pay on average $810 a year to insure an Equinox, but that amount is a valuation based on a 40-year-old single male driver who requires full comprehensive and collision coverage and $1,000 deductibles.

That rate won’t apply to everyone, because more than likely you are not 40 and possibly not even male, married instead of single, or you need different deductibles. Every car insurance policy is unique to the driver, so the most reliable method for finding cheap insurance prices for your Chevrolet is to make a habit of comparing prices at least once a year. In just a few minutes you will receive price comparisons from top-rated companies that insure Chevrolet vehicles in Washington.

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Vehicle trim level will have an impact the insurance rate, so the price you will be charged to insure a Equinox LS 2WD trim level will be $68 lower than the insurance cost for the higher-end Equinox LTZ AWD trim level, as shown in the chart below.

Chevrolet Equinox Insurance Rates in Washington
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $138 $278 $356 $22 $106 $900 $75
Equinox LT 2WD $138 $278 $356 $22 $106 $900 $75
Equinox LS AWD $138 $278 $356 $22 $106 $900 $75
Equinox LT AWD $138 $278 $356 $22 $106 $900 $75
Equinox LTZ 2WD $156 $328 $356 $22 $106 $968 $81
Equinox LTZ AWD $156 $328 $356 $22 $106 $968 $81
Equinox LTZ AWD $156 $328 $356 $22 $106 $968 $81
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in specific Washington garaging location which can influence rates noticeably.

Determining which companies quote the most affordable car insurance rates for a Chevrolet Equinox will involve more work in order to find the best policy. Each insurer uses a little different formula to set their prices, so let’s examine the car insurance companies with the overall cheapest rates in Washington.

It’s a good idea to know that Washington car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Improving your credit score, becoming a homeowner, or getting a driving violation may cause policy rate changes that can cause some rates to be more affordable than the competition.

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Washington car insurance ranked by cost per year
Rank Company Cost Per Year
1 Capital $777
2 Grange $847
3 Nationwide $961
4 PEMCO $964
5 Mutual Enumclaw $1,034
6 Travelers $1,038
7 USAA $1,060
8 The Hartford $1,090
9 California Casualty $1,105
10 Chubb $1,116
11 Allied $1,142
12 American Family $1,172
13 State Farm $1,176
14 Safeco $1,192
15 Amica $1,256
16 Liberty Mutual $1,270
17 Farmers $1,329
18 Progressive $1,480
19 National General $1,525
20 MetLife $1,647
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Capital offers some of the best car insurance rates in Washington at around $777 per year. Grange, Nationwide, PEMCO, and Mutual Enumclaw would also be considered some of the more affordable Washington insurance companies.

In the above example, if you currently have coverage with PEMCO and switched to Capital, you may see an annual premium reduction of in the neighborhood of $187. Washington drivers with Mutual Enumclaw could save as much as $257 a year, and Travelers insureds might see rate reductions of $261 a year.

To compare your rates to other Washington insurance companies, click here to start a quote or click through to the companies below.

Be aware that those premiums are averages across all types of drivers and the different vehicles they drive and do not take into consideration a specific rate value for a Chevrolet Equinox. So the insurer that can offer you the best price may not even be included in the above rate chart. That illustrates why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Discounts on cheap insurance for a Chevrolet Equinox in Washington

Discounts on car insurance for a Chevrolet EquinoxAuto insurance companies that provide policies for a Chevrolet Equinox may have rate discounts that could potentially reduce rates by as much as 35% or more if you are eligible for them. Popular car insurance companies and a selection of discounts include:

Car Insurance Discounts Available
Discount State Farm Progressive Geico Allstate Liberty Mutual Nationwide Farmers
Bundled policies Yes Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes Yes No Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Safe vehicle Yes No Yes Yes Yes No No
Passive restraint Yes No Yes Yes Yes Yes Yes
New car Yes No No Yes No Yes Yes
No accidents Yes Yes Yes Yes No Yes Yes
Defensive driving course Yes Yes Yes Yes No Yes Yes
Low miles Yes Yes No Yes Yes Yes No
Active duty military Yes Yes Yes No No No Yes
Affinity/occupation No No Yes No Yes Yes Yes
Paid in full No Yes Yes Yes Yes Yes Yes
Paperless billing No Yes Yes Yes Yes Yes Yes
Brand loyalty Yes Yes No No No Yes Yes
Good grades Yes Yes Yes Yes Yes Yes Yes
Student away from home Yes Yes No Yes Yes Yes Yes
Own a home No Yes No No No No Yes
Seat belt usage No No Yes No No No No
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The diagram below shows the comparison of insurance rates with and without discounts applied. Data assumes a male driver, no violations or claims, Washington state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, claim-free, vehicle safety, multiple vehicle, accident-free, and homeowner discounts applied. With discounts applied, the average amount saved each year on car insurance for a Chevrolet Equinox is 13% or $242.

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Why you should be shopping around

Washington car insurance rates are influenced by many factors which can substantially change the price you pay. Simply turning a year older, marrying your spouse, or getting a reckless driving citation can trigger changes in premium that can make some companies cheaper in comparison to the competition.

And not only may your rating factors change, but insurance companies change rates at least once a year to adjust for unexpected claims or profits. A period of increased losses can result in more expensive prices, while a profitable period can cause more affordable Equinox insurance rates.

To illustrate this example, the bar chart below shows the company with the cheapest car insurance in Washington for a 45-year-old male driver with no prior claims, no tickets, and good financial standing. If we compare prices based on his current rating profile, Capital quotes the lowest car insurance rates in Washington at $761 a year. This is $651 less than the average premium paid by Washington drivers of $1,412. Grange, PEMCO, Nationwide, and Travelers are the remainder of the top five cheapest Washington auto insurance companies.

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The next chart shows rates after we give the driver from the first rate comparison a claim or two, less-than-perfect credit, and a few traffic violations. Because each insurer has a unique formula for filing rates in each state, getting updated rate quotes may now present a different list of the cheapest companies as shown below.

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The Hartford now has the best auto insurance rate in Washington with USAA, California Casualty, Chubb, and State Farm now being in the top five. This demonstrates why it is so important to take the time to shop around when trying to get the most budget-friendly car insurance rates for a Chevrolet Equinox.

Auto insurance prices consist of many different factors and change dramatically, so the best option when you last compared rates may now be costing you a lot of money.

Who has the cheapest Chevrolet Equinox insurance quotes?

There are many ways to quote cheap car insurance rates in Washington, but the most frequently used are from an independent or non-exclusive agent, a captive (or exclusive) agent such as Allstate or Auto-Owners, or direct from companies such as Geico or Progressive. You can use whichever you prefer, but they differ in how they provide rate quotes.

Independent insurance agents work for many companies and can compare rates with each one. Independent agents are usually affiliated with several companies and can provide you with more rate quotes, which may provide you with improved odds of finding cheaper coverage. If your premiums go up, they can switch companies in-house which prevents you from having to find an new insurance agent.

Exclusive agencies are usually just provide rates from just one company, two of the more popular are State Farm and Allstate agents. Exclusive agents cannot compare rates from other companies, so smart shoppers will want to get additional comparison quotes.

Car insurance from a direct company means you bypass an independent or exclusive agent and instead shop direct either online or via phone. Shopping for car insurance direct is a good choice for people who do not have a complex risk profile and know the limitations of car insurance.

So which of the methods works best to buy cheap insurance for a Chevrolet Equinox in Washington? We’d like to say shopping direct yields the cheapest rates since there isn’t an agent involved, but unfortunately, that is not always true. We could also say that buying from an independent agent is the best way to save because they can quote many companies, but that assumption is also not accurate. For some people, exclusive agents have extremely competitive rates well below independent agents AND direct companies.

Since car insurance companies use so many rating factors, the guaranteed way to ensure you are not overpaying for car insurance is to get as many comparison quotes as possible. The best approach is to get price quotes from independent, exclusive, and direct to give yourself plenty of rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

How to find cheaper insurance for a Chevrolet Equinox

Below you’ll find many thrifty ideas that can help you find low-cost car insurance.

  • Save money by bundling your home and auto policies
  • Raise physical damage deductibles
  • If possible, do not file small claims
  • Tickets and violations raise rates
  • Good credit scores may make rates cheaper
  • Do not get into accidents that are your fault
  • Shop around for cheaper prices

The last suggestion is particularly vital, as we discussed in this article. Car insurance prices can be modified anytime, so don’t be hesitant to buy from a new company if you find a better deal.

Loyalty to a specific company is fine, but it’s not a great idea if that inflexibility results in costing you thousands of dollars over several years. Now is a great time to compare prices and find cheaper auto insurance for a Chevrolet Equinox.