Finding the best cheap car insurance for a Chevrolet Equinox in California depends on many factors such as how far you commute, your address, and blemishes on your driving record. Drivers pay around $1,243 each year to insure their Equinox, but that figure is an estimation based upon a 50-year-old single female driver with full physical damage coverage and $500 deductibles.
It’s more than likely you are not 50 and maybe not even a female, married instead of single, and you want different coverage limits than the example. Just a minor difference in rating criteria could result in a significant change in the cost of insuring your Equinox.
Auto insurance requires individual risk assessment, so the best method for finding the most affordable coverage for your Chevrolet is to do the rate comparisons yourself. Quotes are free and easy and you will be able to compare rates from the best auto insurance companies around.
Compare Chevrolet Equinox Insurance Rates
The trim level of your Chevrolet will have an impact the insurance rate, so the price to insure a Equinox LS 2WD will be $114 cheaper than the cost to insure the more expensive Equinox LTZ AWD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Equinox LS 2WD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| Equinox LT 2WD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| Equinox LS AWD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| Equinox LT AWD | $238 | $454 | $500 | $30 | $150 | $1,372 | $114 |
| Equinox LTZ 2WD | $270 | $536 | $500 | $30 | $150 | $1,486 | $124 |
| Equinox LTZ AWD | $270 | $536 | $500 | $30 | $150 | $1,486 | $124 |
| Equinox LTZ AWD | $270 | $536 | $500 | $30 | $150 | $1,486 | $124 |
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Table data does not factor in specific garaging location which can modify rates significantly.
Best car insurance in Irvine
Picking the right auto insurance provider can be rather challenging considering how many different companies there are to choose from in California. The ranking data in the lists below can help you choose which companies to look at purchasing coverage from. These ratings are only comprised of the largest companies in America, so smaller companies will not be included in this list.
Top 10 Major Car Insurance Companies in Irvine Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Major Car Insurance Companies in Irvine Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Careless drivers pay higher rates
A great way to find affordable car insurance premiums in Irvine for an Equinox is to be a good driver and avoid traffic citations and accidents. The example below demonstrates how traffic citations and accidents can impact car insurance rates for different insured age categories. The premiums assume a single male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $2,458. Add in one speeding ticket and the average cost swells to $2,773, an increase of $315 each year. Then add one accident along with the one speeding ticket and the yearly cost of car insurance for a Chevrolet Equinox increases to an average of $3,648. That’s an increase of $1,190, or $99 per month, just for being a little careless behind the wheel!
Why you should shop around for Equinox insurance
Irvine, CA car insurance rates are based on many factors that control the policy premium. Improving your credit rating, moving to a new city, or getting caught speeding can produce rate changes resulting in some companies being much cheaper than others.
In addition, car insurance companies change their prices as often as every quarter to reflect underwriting profits or losses. An unexpected high level of claims can cause additional premium costs, while a better loss history can result in more affordable Equinox insurance rates.
As an example, the graph below shows which company has the cheapest car insurance in Irvine, CA for a 45-year-old male driver with a clean driving record, no accidents, and a good credit history. When comparing rates based on his current risk profile, USAA quotes the lowest car insurance rates in Irvine at $1,114 per year. This is $537 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are also included in the cheapest Irvine, CA auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison an accident surcharge, slightly worse credit, and a blemish on his driving record. Due to the fact that every auto insurer uses their own calculation for establishing rates, comparing quotes may now present a different ranking of the cheapest car insurance companies in Irvine as shown below.
Grange now has the cheapest insurance rate in Irvine, CA with Mercury, GEICO, Allied, and Progressive now being in the top five. This example shows why consumers need to compare rates to get cheap insurance rates for a Chevrolet Equinox.
Car insurance prices are influenced by many risk factors and can decrease or increase without notice, so the lowest-price company when you last compared rates may now be costing you a lot of money.
How to find budget-friendly auto insurance for a Chevrolet Equinox
The list below details some of the better thrifty ideas that can help Irvine drivers locate cheap auto insurance.
- Do not get tickets
- Save money by only buying liability coverage for older vehicles
- Maintain a safe distance and avoid accidents
- Earn discounts for being claim-free
- Raise your physical damage coverage deductibles
- Compare rates and switch if you can find a better deal
That final tip is remarkably crucial, as was noted in this piece. Insurance rates in Irvine can change considerably in a year, so you should be ready to switch companies if a lower price can be found.
Sticking with a specific company is fine, but it isn’t a good idea if your bullheadedness ends up costing you a lot of money every month. Take a few minutes and compare prices to find cheaper insurance for a Chevrolet Equinox.
If you have coverage questions and would like to have a consultation when shopping for cheaper insurance for a Chevrolet Equinox, the agents below are a good start to help you determine which car insurance company is the best fit.
To find an auto insurance agency in your neighborhood, click the button at the bottom.
- AIS | Auto Insurance Specialists | Irvine
16969 Von Karman Ave #100 – Irvine, CA 92606 – (949) 660-7061 - Morning Star Agency Insurance Services Incorporated
1340 Reynolds Ave #103 – Irvine, CA 92614 – (949) 833-2030 - Rich Stevens – State Farm Insurance Agent
4482 Barranca Pkwy #224 – Irvine, CA 92604 – (949) 552-6601