Chevrolet Trax Insurance Rates
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UPDATED: Jun 9, 2024
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When the time comes to start comparing Chevrolet Trax insurance rates, you may not know where to begin. The first thing you should know is that the average Chevy Trax insurance cost about $1,280 a year, which boils down to about $107 per month.
This comprehensive guide will walk you through exactly how Chevrolet Trax rates are calculated so you can have a firm understanding of what to expect before you start shopping around.
When you’re ready, you can start comparing Chevrolet Trax insurance quotes from multiple companies by taking advantage of our free online tool.
U.S. average auto insurance rates for a Chevrolet Trax are $1,258 annually for full coverage insurance. Comprehensive insurance costs around $248, collision costs $436, and liability is $416. Liability-only insurance costs around $474 a year, with high-risk driver insurance costing $2,724 or more. Teen drivers pay the highest rates at $4,798 a year or more.
Average premium for full coverage: $1,258
Price estimates for individual coverage:
Includes $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all Trax models.
Price Range from Low to High
For the average driver, Chevrolet Trax insurance prices go from as cheap as $474 for a discount liability-only rate to the much higher price of $2,724 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas.
The example below illustrates how location impacts auto insurance rates.
The ranges above illustrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below illustrates estimated Chevrolet Trax insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $733
- Raising to $1,000 deductibles will save about $156 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,258
- Choosing pricier low deductibles costs an additional $302 annually
- Drivers with multiple violations and an at-fault accident could pay at least $2,724 or more
- The price with full coverage for a 16-year-old driver for full coverage can be $4,798
Car insurance prices for a Chevrolet Trax are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. Chevrolet Trax insurance for high-risk drivers is expensive and can cost from 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $460 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Chevrolet Trax insurance prices. A middle-age driver might find prices as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,700 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,138 | -$120 | -9.5% |
| Alaska | $966 | -$292 | -23.2% |
| Arizona | $1,046 | -$212 | -16.9% |
| Arkansas | $1,258 | -$0 | 0.0% |
| California | $1,434 | $176 | 14.0% |
| Colorado | $1,202 | -$56 | -4.5% |
| Connecticut | $1,294 | $36 | 2.9% |
| Delaware | $1,424 | $166 | 13.2% |
| Florida | $1,576 | $318 | 25.3% |
| Georgia | $1,162 | -$96 | -7.6% |
| Hawaii | $904 | -$354 | -28.1% |
| Idaho | $852 | -$406 | -32.3% |
| Illinois | $938 | -$320 | -25.4% |
| Indiana | $948 | -$310 | -24.6% |
| Iowa | $850 | -$408 | -32.4% |
| Kansas | $1,198 | -$60 | -4.8% |
| Kentucky | $1,718 | $460 | 36.6% |
| Louisiana | $1,864 | $606 | 48.2% |
| Maine | $776 | -$482 | -38.3% |
| Maryland | $1,038 | -$220 | -17.5% |
| Massachusetts | $1,006 | -$252 | -20.0% |
| Michigan | $2,186 | $928 | 73.8% |
| Minnesota | $1,054 | -$204 | -16.2% |
| Mississippi | $1,506 | $248 | 19.7% |
| Missouri | $1,118 | -$140 | -11.1% |
| Montana | $1,354 | $96 | 7.6% |
| Nebraska | $994 | -$264 | -21.0% |
| Nevada | $1,510 | $252 | 20.0% |
| New Hampshire | $906 | -$352 | -28.0% |
| New Jersey | $1,406 | $148 | 11.8% |
| New Mexico | $1,114 | -$144 | -11.4% |
| New York | $1,326 | $68 | 5.4% |
| North Carolina | $726 | -$532 | -42.3% |
| North Dakota | $1,030 | -$228 | -18.1% |
| Ohio | $872 | -$386 | -30.7% |
| Oklahoma | $1,292 | $34 | 2.7% |
| Oregon | $1,154 | -$104 | -8.3% |
| Pennsylvania | $1,200 | -$58 | -4.6% |
| Rhode Island | $1,678 | $420 | 33.4% |
| South Carolina | $1,140 | -$118 | -9.4% |
| South Dakota | $1,064 | -$194 | -15.4% |
| Tennessee | $1,102 | -$156 | -12.4% |
| Texas | $1,518 | $260 | 20.7% |
| Utah | $934 | -$324 | -25.8% |
| Vermont | $862 | -$396 | -31.5% |
| Virginia | $754 | -$504 | -40.1% |
| Washington | $976 | -$282 | -22.4% |
| West Virginia | $1,154 | -$104 | -8.3% |
| Wisconsin | $872 | -$386 | -30.7% |
| Wyoming | $1,120 | -$138 | -11.0% |
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Chevrolet Trax | $280 | $470 | $372 | $1,280 |
| 2023 Chevrolet Trax | $268 | $452 | $390 | $1,268 |
| 2022 Chevrolet Trax | $256 | $448 | $398 | $1,260 |
| 2021 Chevrolet Trax | $248 | $436 | $416 | $1,258 |
| 2020 Chevrolet Trax | $240 | $418 | $430 | $1,246 |
| 2019 Chevrolet Trax | $226 | $404 | $442 | $1,230 |
| 2018 Chevrolet Trax | $218 | $374 | $452 | $1,202 |
| 2017 Chevrolet Trax | $208 | $352 | $456 | $1,174 |
| 2016 Chevrolet Trax | $200 | $316 | $460 | $1,134 |
| 2015 Chevrolet Trax | $188 | $292 | $460 | $1,098 |
Rates are averaged for all Chevrolet Trax models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest Chevrolet Trax Insurance
Getting lower rates on insurance for a Chevrolet Trax consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a recap of the material that was touched on above.
- Insureds who may need higher liability limits will pay about $460 annually to raise from a low limit to higher 250/500 limits
- Teens are the costliest to insure, as much as $400 a month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents pay on average $1,470 more every year for Trax insurance
- Increasing physical damage deductibles could save up to $450 each year
Now that you have a better understanding of how an individual driver’s rates are determined, the next step is to shop with assurance for Chevrolet Trax insurance rates from multiple providers. You can even take advantage of our free quote tool below.
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What are the safety ratings of the Chevrolet Trax?
It’s important to consider the safety ratings of the Chevrolet Trax to get a good idea of where you might qualify for policy discounts.
The ratings below show the breakdown of the crash test ratings for this model. The following results influence how much the 2019 Chevrolet Trax costs to insure.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Acceptable
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
For a frame of reference, the “Good” rating administered by the IIHS is the highest rating possible while “Acceptable” is the next best score a vehicle can receive.
Chevrolet Trax Compared Against Other Vehicles in the Same Class
Classified as a small SUV, the Chevrolet Trax is lighter than some of the other SUVs on the road, which contributes to its overall safety rating.
So long as the Insurance Institute for Highway Safety (IIHS) reflects that the Chevrolet Trax has favorable loss percentages for its class, you can still save on Chevy Trax insurance rates.
Take a look at the following small SUVs to see how their average insurance rates compare to the Chevrolet Trax.
Now that we have gone into great detail about how insurance rates are calculated, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Chevrolet Trax insurance quotes from multiple providers today.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,798 |
| 20 | $2,906 |
| 30 | $1,304 |
| 40 | $1,258 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,560 |
| $250 | $1,420 |
| $500 | $1,258 |
| $1,000 | $1,102 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,258 |
| 50/100 | $1,341 |
| 100/300 | $1,445 |
| 250/500 | $1,716 |
| 100 CSL | $1,383 |
| 300 CSL | $1,612 |
| 500 CSL | $1,778 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,820 |
| 20 | $4,626 |
| 30 | $2,774 |
| 40 | $2,724 |
| 50 | $2,600 |
| 60 | $2,576 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $88 |
| Total Discounts | $525 |
Discounts are estimated and may not be available from every company or in every state.
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