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.

The average insurance rates for a Chevrolet Trax are $1,246 a year including full coverage. Comprehensive insurance costs on average $240, collision insurance costs $418, and liability insurance is $430. Buying just liability costs around $486 a year, and insurance for high-risk drivers costs $2,692 or more. 16-year-old drivers cost the most to insure at up to $4,776 a year.

Average premium for full coverage: $1,246

Policy rates by type of insurance:

Comprehensive $240
Collision $418
Liability $430

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Trax trim levels.

Price Range Variability

For a driver around age 40, Chevrolet Trax insurance rates range from as low as $486 for just liability insurance to a much higher rate of $2,692 for a driver who has had serious violations or accidents.

Liability Only $486
Full Coverage $1,246
High Risk $2,692

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $935
Small Cities $1,308
Large Cities $1,682

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on rate 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.

More Rate Details

The chart below breaks down average Chevrolet Trax insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $728
  • Raising to $1,000 deductibles will save around $150 every year
  • The average rate for a good driver age 40 with $500 deductibles is $1,246
  • Buying more expensive low deductibles will cost an extra $290 a year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,692
  • Policy cost for full coverage for a teen driver with full coverage may cost $4,776

View Chart as Image

Chevrolet Trax insurance cost comparison chart
Column chart showing Chevrolet Trax insurance prices range from $728 to $4,776 for full coverage

Insurance rates for a Chevrolet Trax also range considerably based on your risk profile, the model of your Trax, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

Your home state also has a big influence on Chevrolet Trax insurance rates. A middle-age driver might find rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,780 on average in Michigan, New York, and Louisiana.

Chevrolet Trax Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,126 -$120 -9.6%
Alaska $956 -$290 -23.3%
Arizona $1,034 -$212 -17.0%
Arkansas $1,246 -$0 0.0%
California $1,418 $172 13.8%
Colorado $1,190 -$56 -4.5%
Connecticut $1,282 $36 2.9%
Delaware $1,410 $164 13.2%
Florida $1,556 $310 24.9%
Georgia $1,148 -$98 -7.9%
Hawaii $894 -$352 -28.3%
Idaho $842 -$404 -32.4%
Illinois $928 -$318 -25.5%
Indiana $938 -$308 -24.7%
Iowa $840 -$406 -32.6%
Kansas $1,186 -$60 -4.8%
Kentucky $1,698 $452 36.3%
Louisiana $1,844 $598 48.0%
Maine $768 -$478 -38.4%
Maryland $1,028 -$218 -17.5%
Massachusetts $998 -$248 -19.9%
Michigan $2,164 $918 73.7%
Minnesota $1,042 -$204 -16.4%
Mississippi $1,492 $246 19.7%
Missouri $1,106 -$140 -11.2%
Montana $1,340 $94 7.5%
Nebraska $982 -$264 -21.2%
Nevada $1,492 $246 19.7%
New Hampshire $898 -$348 -27.9%
New Jersey $1,394 $148 11.9%
New Mexico $1,102 -$144 -11.6%
New York $1,312 $66 5.3%
North Carolina $718 -$528 -42.4%
North Dakota $1,020 -$226 -18.1%
Ohio $860 -$386 -31.0%
Oklahoma $1,280 $34 2.7%
Oregon $1,142 -$104 -8.3%
Pennsylvania $1,188 -$58 -4.7%
Rhode Island $1,660 $414 33.2%
South Carolina $1,126 -$120 -9.6%
South Dakota $1,052 -$194 -15.6%
Tennessee $1,092 -$154 -12.4%
Texas $1,502 $256 20.5%
Utah $922 -$324 -26.0%
Vermont $854 -$392 -31.5%
Virginia $746 -$500 -40.1%
Washington $962 -$284 -22.8%
West Virginia $1,142 -$104 -8.3%
Wisconsin $864 -$382 -30.7%
Wyoming $1,108 -$138 -11.1%

View Chart as Image

Chevrolet Trax insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $440 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Chevrolet Trax Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Chevrolet Trax $268 $452 $390 $1,268
2023 Chevrolet Trax $256 $448 $398 $1,260
2022 Chevrolet Trax $248 $436 $416 $1,258
2021 Chevrolet Trax $240 $418 $430 $1,246
2020 Chevrolet Trax $226 $404 $442 $1,230
2019 Chevrolet Trax $218 $374 $452 $1,202
2018 Chevrolet Trax $208 $352 $456 $1,174
2017 Chevrolet Trax $200 $316 $460 $1,134
2016 Chevrolet Trax $188 $292 $460 $1,098
2015 Chevrolet Trax $180 $272 $464 $1,074

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 Find the Cheapest Chevrolet Trax Insurance

Finding cheaper rates on Chevrolet Trax insurance consists of being safe and accident-free, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Set aside time to compare rates every other policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a recap of the ideas that were covered above.

  • Youthful drivers pay the highest rates, with premiums being up to $398 each month for full coverage
  • High-risk drivers that have major violations or accidents may pay on average $1,450 more each year than a low-risk driver
  • Increasing comprehensive and collision deductibles can save around $450 each year
  • You may be able to save as much as $150 per year just by shopping early and online

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.

Rates by Driver Age

Chevrolet Trax Insurance Rates by Driver Age
Driver Age Premium
16 $4,776
20 $2,876
30 $1,286
40 $1,246
50 $1,140
60 $1,116

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Trax Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,536
$250 $1,400
$500 $1,246
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Trax Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,246
50/100 $1,332
100/300 $1,440
250/500 $1,719
100 CSL $1,375
300 CSL $1,612
500 CSL $1,784

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Trax Insurance Rates for High Risk Drivers
Age Premium
16 $6,786
20 $4,578
30 $2,740
40 $2,692
50 $2,574
60 $2,550

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.

SR-22 Surcharge $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $87
5-yr Claim Free $80
Paid in Full/EFT $54
Advance Quote $60
Online Quote $87
Total Discounts $518
Rate after discounts $728

Discounts are estimated and may not be available from every company or in every state.

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