Buying affordable coverage for a Chevrolet Equinox in Texas can be really easy, but it depends on many rating factors such as miles driven annually, what you do for a living, and your choice of deductibles. Drivers in Texas pay on average $1,632 annually for Equinox insurance, but that amount is a projection calculated using a 30-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
But there is a high probability that you’re not a 30-year-old female, you might be married instead of single, or maybe you want more liability coverage than is required by law in Texas. Even a slight difference in the rating criteria used to formulate rates may result in significant differences in policy price.
Every driver’s needs are different, and that is why the only real way to find the most affordable coverage for your Chevrolet is to do a thorough rate comparison. It’s really quite easy you will receive prices from the cheapest companies in Texas.
View Chevrolet Equinox Insurance Rates
Your Chevrolet’s trim level will be a contributing factor to the yearly cost, so the price you will be charged to insure a Equinox LS 2WD model will be $176 cheaper than the cost to insure the high end Equinox LTZ AWD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $364 | $728 | $514 | $30 | $154 | $1,790 | $149 |
| Equinox LT 2WD | $364 | $728 | $514 | $30 | $154 | $1,790 | $149 |
| Equinox LS AWD | $364 | $728 | $514 | $30 | $154 | $1,790 | $149 |
| Equinox LT AWD | $364 | $728 | $514 | $30 | $154 | $1,790 | $149 |
| Equinox LTZ 2WD | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Equinox LTZ AWD | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Equinox LTZ AWD | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rates do not factor in specific zip code location which can impact prices considerably.
Choosing a high-quality insurance company can be challenging considering how many different companies there are to choose from in Texas. The company ratings shown next could help you pick which auto insurers you want to consider when comparing rate quotes.
The rankings below are for the largest auto insurers in America, so companies without a large exposure are not included in the list. If you would like to check rates from many more Texas auto insurance companies, just click here.
Top 10 Large Car Insurance Companies Overall in Fort Worth
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Large Car Insurance Companies in Fort Worth Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Get discount Fort Worth car insurance
Insurance providers that offer cheap quotes for a Chevrolet Equinox may also give you policy discounts that could potentially reduce rates by as much as 35% or more if you are eligible to receive them. A few of the larger companies and some of their more popular discounts are outlined below.
- American Family may offer discounts for early bird, air bags, mySafetyValet, TimeAway discount, good student, defensive driver, and bundled insurance.
- State Farm has savings for multiple autos, Steer Clear safe driver discount, anti-theft, safe vehicle, multiple policy, and good driver.
- 21st Century offers discounts for defensive driver, homeowners, anti-lock brakes, driver training, and air bags.
- Travelers includes discounts for driver training, new car, good student, payment discounts, home ownership, save driver, and IntelliDrive.
- GEICO policyholders can earn discounts including driver training, anti-theft, anti-lock brakes, daytime running lights, defensive driver, and good student.
The illustration below compares auto insurance rates with and without some available policy discounts. The premiums are based on a female driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with multiple policy, anti-theft, marriage, claim-free, accident-free, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for a Chevrolet Equinox is 28% or $563.
The example below shows how different deductible levels can increase or decrease insurance premiums when trying to find cheap insurance for a Chevrolet Equinox. The information is based on a married female driver, full physical damage coverage, and no policy discounts are applied.
The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $310 a year by switching from a $100 deductible up to a $500 deductible, or save $468 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, can cut $772 annually by selecting a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is necessary to have spare funds to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Last year’s bargain might be this year’s rip off
Fort Worth, TX insurance rates are calculated based on many things which can substantially decrease or increase the price of your policy. Simply improving your credit, increasing deductibles, or getting a speeding ticket can trigger changes in premium that may make certain companies more affordable than others. Additionally, insurance companies change rates as often as every quarter to adjust for heavy claims or excess profits. Higher than usual claims may result in a rate increase, while lower claim expenses may result in more affordable Equinox insurance rates.
As an example, the chart below shows a variety of companies that have the cheapest car insurance in Fort Worth, TX for a 35-year-old male driver with no accidents, a clean driving record, and a good credit rating. When quoting prices based on his current risk profile, Travelers offers the best car insurance rates in Fort Worth at $1,146 annually. This is $758 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining cheapest Fort Worth, TX auto insurance companies.
In the next rate comparison, we’ll give the driver from the above example a chargeable claim, bad credit, and a traffic citation. Due to the fact that each insurance company has a proprietary method to determining premium rates, getting updated rate quotes may now result in a significantly different list of cheap Fort Worth auto insurance companies as shown below.
State Farm now has the best price in Fort Worth, TX with Mercury, Nationwide, Safe Auto, and USAA also having competitive pricing. This illustrates why it is critical to perform a complete rate comparison when trying to get cheap auto insurance rates for a Chevrolet Equinox. Insurance rates can be determined by many different factors and can increase or decrease at any time, so the most affordable company the last time you compared rates may now be priced much higher than other options.
How to find the cheapest auto insurance for a Chevrolet Equinox
The list below summarizes a few money-saving solutions that can help Fort Worth drivers buy cheap coverage.
- At-fault accidents can raise rates significantly
- Drivers with good credit often pay less
- Be a safe driver
- Try to not file small claims
- Lower rates by purchasing a safer vehicle
- Comparison shop frequently
The last tip in the list is extremely crucial, as we emphasized in this write-up. Auto insurance prices change constantly, so don’t be afraid to change to a new company if a better deal can be had. Staying with the same car insurance company is fine, but we do not recommend it if that stubbornness costs you a lot of money every month. It only takes a couple minutes to shop around and find cheaper car insurance for a Chevrolet Equinox in Fort Worth.