Best Cheap Insurance for a Chevrolet Equinox in Texas

The chances of finding cheap car insurance for a Chevrolet Equinox in Texas is contingent on a lot of rating criteria like how far you commute, if you have prior claims, and driving violations and tickets. Drivers on average pay around $1,190 a year to insure an Equinox, but that cost is an estimation using a 30-year-old married male who purchased full physical damage coverage and $250 policy deductibles.

There’s a good chance you aren’t exactly 30 years old or even a male, possibly single instead of married, and there is a good chance that other rated drivers impact the rate. Even a very minor difference in policy rating factors can produce large changes in the policy rate.

Auto insurance is not “one size fits all”, so your best chance at finding the cheapest insurance price for your Chevrolet is to do a thorough rate comparison. In just a couple of minutes you will receive prices from some of the cheapest companies available.

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The specific model of Equinox can impact the cost of insurance, so the cost to insure a Equinox LS 2WD model will be $126 less than the price to insure the higher-priced Equinox LTZ AWD model, as shown in the table below.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in vehicle garaging location which can affect prices noticeably.

Choosing the best insurance company can be challenging considering how many companies provide coverage in Texas. The ranking information in the next section could help you choose which providers to look at comparing prices from. The ratings below are only comprised of large, nationwide insurance companies, so companies with more of a regional focus are not factored into this list.

Top 10 Major Auto Insurers Overall in Texas

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top Companies for Chevrolet Equinox Insurance in Texas

The diagram below demonstrates how choosing different deductibles can raise or lower annual premium costs when trying to find cheap insurance for a Chevrolet Equinox. The information is based on a married female driver, comp and collision included, and no discounts are taken into consideration.

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In the chart above, a 30-year-old driver could save $362 a year by switching from a $100 deductible to a $500 deductible, or save $546 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could drop their prices up to $772 or more by choosing larger deductibles on their policy.

When raising deductibles, it is important to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Get discounts on Texas auto insurance rates

Auto insurance companies that provide the best cheap insurance for a Chevrolet Equinox in Texas may provide rate discounts that can reduce rates by 35% or more if you meet specific criteria. Popular insurance companies and a summarized list of policyholder discounts are:

The example below illustrates the comparison of insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or driving violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, marriage, safe-driver, multiple vehicle, homeowner, and passive restraint discounts applied. When these discounts are applied, the average savings per year on insurance for a Chevrolet Equinox is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2695,1933],[‘Age 30’, 1815,1309],[‘Age 40’, 1697,1225],[‘Age 50’, 1485,1071],[‘Age 60’, 1435,1039],[‘Age 70’, 1699,1221]]);var options = {title: ‘Comparison of Insurance Rates for a Chevrolet Equinox’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Equinox’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Company comparison: Geico vs State Farm vs Progressive vs Allstate

When comparing insurance for an Equinox in Texas, some of the largest companies to start with are Geico, State Farm, Progressive, and Allstate. If you add them together, they insure over 48% of the car insurance market in the United States. Each company has unique coverages that policyholders can choose from. The table below compares and contrasts ratings and policy coverage options that are available for buyers.