Finding the cheapest car insurance for a Chevrolet Equinox is pretty simple for most people to do, but it hinges on a large number of rating criteria such as whether you own a home, what you do for a living, and any prior driving offenses you have. Texas drivers will pay on average $913 each year for Equinox insurance, but that cost is a valuation based on a 30-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
There is a good probability you are not 30 years old and maybe not even female, maybe you are single instead of married, or maybe you’re a renter instead of a homeowner. Just a slight change in the rating criteria used to formulate rates could end up in a significant change in the cost of a policy.
This illustrates why the only way to find cheap insurance rates for your Chevrolet is to compare as many rates as you can. Get your free quotes now and you will be able to see rates from some of the most affordable companies available.
Find Cheaper Chevrolet Equinox Insurance
The trim level of your Equinox will be a contributing factor to the insurance rate, so the price you will pay to insure a Equinox LS 2WD trim level will be $78 lower than the price to insure the more costly Equinox LTZ AWD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $176 | $306 | $388 | $24 | $116 | $1,010 | $84 |
| Equinox LT 2WD | $176 | $306 | $388 | $24 | $116 | $1,010 | $84 |
| Equinox LS AWD | $176 | $306 | $388 | $24 | $116 | $1,010 | $84 |
| Equinox LT AWD | $176 | $306 | $388 | $24 | $116 | $1,010 | $84 |
| Equinox LTZ 2WD | $200 | $360 | $388 | $24 | $116 | $1,088 | $91 |
| Equinox LTZ AWD | $200 | $360 | $388 | $24 | $116 | $1,088 | $91 |
| Equinox LTZ AWD | $200 | $360 | $388 | $24 | $116 | $1,088 | $91 |
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in specific zip code location which can modify premium rates noticeably.
Auto insurance company ratings
Selecting a high-quality auto insurance provider is hard considering how many companies sell insurance in Texas. The ranking information listed below may help you pick which car insurance providers to look at when trying to find cheaper insurance for a Chevrolet Equinox.
These ratings are for major nationwide insurance companies, so companies that focus mainly on Texas business are not included in this list. To get rate quotes from these top insurers and more, click here.
Top 10 Large Auto Insurance Providers Overall in San Antonio
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Large Auto Insurance Providers in San Antonio Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Reckless driving habits raise auto insurance rates
In a perfect world, the ideal way to earn the best auto insurance premiums in Texas for an Equinox is to pay attention while driving and not have accidents or get tickets. The chart below demonstrates how speeding tickets and fender-benders impact annual premium costs for different ages of insureds. Data assumes a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of car insurance in Texas per year with a clean driving record and no accidents is $2,179. Get written up for one speeding ticket and the average cost swells to $2,470, an increase of $291 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for a Chevrolet Equinox jumps again to an average of $3,289. That’s an increase of $1,110, or $92 per month, just for not being more responsible behind the wheel!
The importance of comparing Equinox insurance rates
San Antonio auto insurance rates are impacted by many things which can substantially decrease or increase the price you pay. Simply improving your credit, buying a different home, or having an at-fault accident can trigger changes in premium that may make certain companies cheaper than others.
And not only may your rating factors change, but auto insurance companies change the rates they charge in Texas without warning in order to protect their financial rating. Heavier than normal losses can cause additional premium costs, while a profitable period may produce more affordable Equinox insurance rates.
For example, the bar chart below demonstrates which company has the cheapest car insurance in San Antonio, TX for a 30-year-old female driver with a clear driving record, no claims, and good credit. When comparing rates based on her current rating profile, Travelers may offer the most affordable car insurance rates in San Antonio at $1,193 each year. This is $711 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the cheapest San Antonio, TX auto insurance companies.
Now we will pretend the driver from the first set of rates a chargeable claim, poor credit, and a speeding citation. Since every insurance provider has a proprietary formula to set premium rates, comparing prices could now result in a different list of affordable companies as shown below.
State Farm now has the lowest price on auto insurance in San Antonio with USAA, Mercury, Safe Auto, and Nationwide now rounding out the top five. This example illustrates why it is so important to do a thorough rate comparison to find the best insurance rates for a Chevrolet Equinox. Auto insurance prices consist of many different factors and can change without notice, so the most affordable company the last time you checked may now be quite expensive.
The insurance agents in San Antonio listed below are willing to help you decide which coverages are best, as some people prefer to have a consultation when shopping for cheaper insurance for a Chevrolet Equinox. It’s not always easy to find the best policy yourself, so insurance agents licensed in the state of Texas can provide comfort knowing your policy gives you adequate asset protection.
To locate a San Antonio auto insurance agent close to you, click the link after the list or click here to compare price quotes now.
- Betsy Dippo – State Farm Insurance Agent
19190 Stone Oak Pkwy #112 – San Antonio, TX 78258 – (210) 496-3276 - Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094 - Toubin Insurance Agency
7410 Blanco Rd #385 – San Antonio, TX 78216 – (210) 446-0109 - San Antonio Insurance Agency
1100 NE Interstate 410 Loop – San Antonio, TX 78209 – (210) 822-2590
View map of San Antonio, TX insurance agents
How to find the cheapest auto insurance for a Chevrolet Equinox
It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching solutions that can help you find cheaper coverage.
- Avoid at-fault accidents and claims
- Good credit can mean cheaper rates
- Bundle home and auto and save
- Drop full coverage on older vehicles
- Vehicles with safetly features generally cost less to insure
- Shop around once a year for cheaper rates
The last tip in the list is highly critical, as was discussed in the prior information. Prices charged by companies can change considerably based on profitability, so don’t be tentative to switch carriers if a better deal can be had. Many drivers prefer to stick with one company, but we do not recommend it if that loyalty ends up costing hundreds every year. It only takes a couple minutes to compare rates to find cheaper auto insurance for a Chevrolet Equinox in San Antonio.