Finding cheap car insurance for a Chevrolet Equinox in New York is fairly easy, but it depends on a complex formula that considers things such as how far you commute, your profession, and any past driving violations you may have had. Drivers in New York will pay around $828 a year to insure their Equinox, but that is a projection using a 30-year-old married male driver with full coverage and $250 deductibles.

It's highly likely you are not 30 years old and maybe not even male, you might be single instead of married, or maybe you prefer higher deductibles. Even a slight difference in rating criteria or coverage limits could result in a significant change in the cost of insurance.

This demonstrates why the only real way to find affordable rates for your Chevrolet is to put in the effort to do a thorough rate comparison. In just a few minutes you will receive price comparisons from some of the best companies that insure Chevrolet vehicles in New York.

Start Your Free Quote

Your vehicle's trim level tends to have a direct impact on the annual cost of coverage, so the price you will pay to insure a Equinox LS 2WD trim level will be $88 cheaper than the insurance cost for the more costly Equinox LTZ AWD version, as shown in the chart below.

Chevrolet Equinox Insurance Rates in New York
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $204 $344 $264 $16 $80 $908 $76
Equinox LT 2WD $204 $344 $264 $16 $80 $908 $76
Equinox LS AWD $204 $344 $264 $16 $80 $908 $76
Equinox LT AWD $204 $344 $264 $16 $80 $908 $76
Equinox LTZ 2WD $230 $406 $264 $16 $80 $996 $83
Equinox LTZ AWD $230 $406 $264 $16 $80 $996 $83
Equinox LTZ AWD $230 $406 $264 $16 $80 $996 $83
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Prices do not factor in specific zip code location which can alter premium rates substantially.

Buying coverage from the top auto insurance provider can be challenging considering how many companies sell insurance in New York. The information listed below may help you analyze which providers you want to consider comparing prices from.

The ratings below only include companies with a nationwide focus, so smaller companies will not be included in the list. If you wish to compare rates and find the cheapest rates for a Chevrolet Equinox, simply click here.

Top 10 Major Auto Insurers in New York Ranked by Customer Service

  1. Mercury Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. USAA
  6. Travelers
  7. State Farm
  8. GEICO
  9. Allstate
  10. Farmers Insurance

Top 10 Major 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

The illustration below highlights how deductible selection can influence insurance rates when quoting cheap insurance for a Chevrolet Equinox in New York. The rate quotes are based on a married female driver, comp and collision included, and no other discounts are factored in.

A 30-year-old driver could lower their car insurance rates by $292 a year by changing from a $100 deductible up to a $500 deductible, or save $442 by using a $1,000 deductible. Young drivers, like the 20-year-old category, have the ability to save up to $628 every year by using higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will be important to have enough spare savings to offset the extra out-of-pocket expense associated with higher deductibles.

Get discount New York car insurance

Insurance providers that offer coverage for a Chevrolet Equinox may also offer rate discounts that could potentially reduce rates by as much as 25% or more if you are eligible for them. A list of companies and some of the premium reductions they offer are:

The example below visualizes the comparison of insurance costs with and without policy discounts. The premiums assume a female driver, no claims, a clean driving record, New York state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, homeowner, accident-free, safe-driver, passive restraint, and defensive driving course discounts applied. In this example, theaverage amount saved on insurance for a Chevrolet Equinox is 28% or $350.

Tickets and at-fault accidents raise rates

The easiest method to enjoy the most affordable insurance premiums for an Equinox is to drive safe and avoid accidents and traffic violations. The chart below highlights how traffic violations and at-fault accidents can influence car insurance rates for each different age group. The costs are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of a car insurance policy in New York per year with a clean driving record and no accidents is $1,806. Add in one speeding ticket and the average cost surges to $2,033, an increase of $228 each year. Next add two accidents along with the one speeding ticket and the yearly cost of insurance for a Chevrolet Equinox in New York jumps again to an average of $3,940. That's an increase of $2,134, or $178 per month, just for a couple of infractions!