Chevrolet Trax Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Average auto insurance rates for a Chevrolet Trax are $1,258 annually for full coverage. Comprehensive costs an estimated $248, collision insurance costs $436, and liability costs $416. A policy with just liability insurance costs as little as $474 a year, and coverage for high-risk drivers costs around $2,724. Teenage drivers receive the highest rates at up to $4,798 a year.

Average premium for full coverage: $1,258

Rate estimates broken down by individual coverage type:

Comprehensive $248
Collision $436
Liability $416

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Trax trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as cheap as $474 for just liability coverage to a much higher rate of $2,724 for a driver that may need high-risk insurance.

Liability Only $474
Full Coverage $1,258
High Risk $2,724

Price Range by Location

Your location can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $944
Small Cities $1,321
Large Cities $1,698

These examples show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using average rates.

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.

Detailed Rate Analysis

The chart below shows average Chevrolet Trax insurance rates for other coverage scenarios.

  • The best discount rate is $733
  • Drivers who choose higher $1,000 deductibles will pay approximately $156 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,258
  • Using more expensive low deductibles for comprehensive and collision insurance will cost $1,560
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,724
  • The cost with full coverage for a teen driver with full coverage can cost as much as $4,798 a year

View Chart as Image

Chevrolet Trax insurance cost comparison chart
Column chart showing Chevrolet Trax insurance rates range from $733 to $4,798 for full coverage

Insurance rates for a Chevrolet Trax can also vary considerably based on the trim level of your Trax, your driver profile, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can cost as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $460 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Chevrolet Trax insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,800 on average in New York, Louisiana, and Michigan.

Chevrolet Trax Insurance Rates by State
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%

View Chart as Image

Chevrolet Trax insurance rates by U.S. city
Chevrolet Trax Insurance Rates by Model Year
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 Best Cheap Chevrolet Trax Insurance

Saving money on car insurance not only requires having a good driving record, but also having good credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a quick review of the data that was covered above.

  • Drivers can save approximately $150 per year just by shopping early and online
  • Policyholders who want increased levels of liability coverage will pay an extra $460 each year to go from a minimum limit to higher 250/500 limits
  • Drivers age 20 and younger are expensive to insure, costing as high as $400 per month if they have full coverage
  • Higher risk drivers with a DUI or reckless driving violation may pay on average $1,470 more annually to buy Chevrolet Trax insurance

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 $4,798
20 $2,906
30 $1,304
40 $1,258
50 $1,152
60 $1,130

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Trax Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,560
$250 $1,420
$500 $1,258
$1,000 $1,102

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Trax Insurance Rates with Different Liability Limits
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

Chevrolet Trax Insurance 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.

SR-22 Surcharge $174

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
Rate after discounts $733

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

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