Buying cheap coverage for a Chevrolet Equinox is pretty easy for most people, but it relies on many factors such as how safe your vehicle is, your residence address, and any driving offenses on your record. Drivers in California will pay around $1,486 a year to insure their Equinox, but that cost is a valuation based on a 40-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not 40 years old and maybe not even female, you might be single instead of married, or maybe you prefer liability limits higher than required by California state law. Just a minor difference in policy rating criteria or coverages can result in a big discrepancy in the coverage rate.
Auto insurance is unique to each driver, so the only way to find the most affordable coverage for your Chevrolet is to compare as many rates as you can.
View Chevrolet Equinox Insurance Rates
The trim level of your Equinox tends to have a direct effect on the annual cost of coverage, so the price to insure a Equinox LS 2WD model will be $164 cheaper than the insurance cost for the higher-end Equinox LTZ AWD version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $326 | $672 | $464 | $28 | $138 | $1,628 | $136 |
| Equinox LT 2WD | $326 | $672 | $464 | $28 | $138 | $1,628 | $136 |
| Equinox LS AWD | $326 | $672 | $464 | $28 | $138 | $1,628 | $136 |
| Equinox LT AWD | $326 | $672 | $464 | $28 | $138 | $1,628 | $136 |
| Equinox LTZ 2WD | $370 | $792 | $464 | $28 | $138 | $1,792 | $149 |
| Equinox LTZ AWD | $370 | $792 | $464 | $28 | $138 | $1,792 | $149 |
| Equinox LTZ AWD | $370 | $792 | $464 | $28 | $138 | $1,792 | $149 |
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in specific location information which can affect coverage rates considerably.
Determining which company offers the lowest-priced insurance rates for a Chevrolet Equinox will involve a little more effort in order to find the best price. Every car insurance company has their own guidelines for determining rates in each state, so let’s take a look at the insurance companies that tend to be cheaper in Long Beach, CA.
It’s a good idea to know that Long Beach, CA insurance rates are determined by lots of factors which can substantially change the policy premium. Simply having a birthday, having a teenage driver, or getting a driving violation can trigger changes in premium that can now make some companies more affordable than others.
Best Insurance Companies for Your Equinox
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,542 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
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USAA may offer some of the cheapest car insurance rates in Long Beach at around $1,109 a year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also some of the more affordable Long Beach, CA insurance companies.
As the example above demonstrates, if you buy coverage from Wawanesa and switched to USAA, you may see an annual premium reduction of around $48. Drivers with Century National may save as much as $81 a year, and CSAA customers might realize rate reductions of up to $89 a year.
Understand that those premiums are averaged across all types of drivers and the different vehicles they drive and and are not figured with an exact zip code location for a Chevrolet Equinox. So the insurer that has the cheapest rates for you may not even be in the list above. That point stresses why you need to compare as many prices as possible using your own driver and vehicle profiles.
Accidents and violations increase rates
One of the best ways to earn the best insurance rates in Long Beach for an Equinox is to be a cautious driver and not receive tickets or have accidents. The illustration below shows how traffic citations and at-fault accidents increase yearly insurance costs for different age categories. The costs are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of auto insurance in Long Beach per year with a clean driving record and no accidents is $1,989. Factor in two speeding tickets and the average cost swells to $2,740, an increase of $751 each year. Next add one accident along with the two speeding tickets and the yearly cost of insurance for a Chevrolet Equinox jumps again to an average of $3,503. That’s an increase of $1,514, or $126 per month, just for not being more responsible behind the wheel!
Why are you paying too much for Equinox insurance?
Long Beach insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Simply improving your credit, moving to a new city, or getting caught speeding can trigger rate changes that may make certain companies more affordable than the competition.
In addition to those changes, companies change the rates they charge in California as often as every three months to help ensure profitability. Heavy losses may result in increased rates, while a lower level of claims can result in cheaper Equinox insurance rates.
For example, the data below shows which company has the cheapest car insurance in Long Beach, CA for a 30-year-old female driver with no prior accidents, a clean driving record, and good credit. Based on her current rating profile, USAA might offer the cheapest car insurance rates in Long Beach at $1,440 each year. This is $211 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remainder of the most affordable Long Beach, CA auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison an accident surcharge, less-than-perfect credit, and an imperfect driving record. Due to the fact that every auto insurer has their own formula for setting prices, comparing rates most likely will result in a significantly different list of cheap Long Beach auto insurance companies as shown below.
Grange now has the best auto insurance rate in Long Beach with GEICO, Mercury, Allied, and Progressive now being in the top five. This shows why it is crucial to take the time to shop around when trying to find affordable insurance rates for a Chevrolet Equinox. Prices are determined by many risk factors and change frequently, so the best company three years ago may now not even be in the top five.
If you like to have a consultation when buying car insurance for a Chevrolet Equinox, the agencies below can probably help you make a decision which coverage fits your budget.
To locate a Long Beach insurance agent nearest to you, click the button link following the list or click here to compare price quotes now.
Bob Lundstrom – State Farm Insurance Agent
3620 Long Beach Blvd, Ste A3 – Long Beach, CA 90807 – (562) 595-8333
Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181
Rosanne Sanchez Insurance Agency
1165 E San Antonio Dr – Long Beach, CA 90807 – (310) 874-3933