Chevrolet Trax Insurance Rates
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UPDATED: Aug 23, 2022
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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 $1,258 a year including full coverage. Comprehensive costs approximately $248 each year, collision insurance costs $436, and liability coverage is $416. A liability-only policy costs around $474 a year, and high-risk insurance costs around $2,724. 16-year-old drivers cost the most to insure at up to $4,798 a year.
Average premium for full coverage: $1,258
Policy rates by type of insurance:
These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Trax models.
Price Range Variability
For the average 40-year-old driver, Chevrolet Trax insurance rates range from as low as $474 for basic liability insurance to a high rate of $2,724 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.
The examples above highlight why all drivers should compare rates quotes using their specific location and risk profile, rather than using 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.
Rate Comparisons
The chart below breaks down average Chevrolet Trax insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $733
- Raising to $1,000 deductibles will save $156 every year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,258
- Buying low deductibles will increase the cost to $1,560
- Unlucky drivers with multiple tickets or accidents could pay around $2,724
- Policy cost for full coverage for a teenage driver can cost $4,798
Car insurance rates for a Chevrolet Trax also range considerably based on your risk profile, the model of your Trax, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark 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 $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,800 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $460 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. 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 anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 133% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Trax | $248 | $436 | $416 | $1,258 |
| 2018 Chevrolet Trax | $226 | $404 | $442 | $1,230 |
| 2017 Chevrolet Trax | $218 | $374 | $452 | $1,202 |
| 2016 Chevrolet Trax | $208 | $352 | $456 | $1,174 |
| 2015 Chevrolet Trax | $200 | $316 | $460 | $1,134 |
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 Cheap Chevrolet Trax Insurance
Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and attention to physical damage deductibles. Make time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following is a brief summary of the concepts that were touched on in this article.
- Drivers that tend to have accidents or serious violations could be forced to pay on average $1,470 more per year for Trax insurance
- Teens pay the highest auto insurance rates, with premiums being up to $400 each month if full coverage is included
- You may be able to save around $150 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $450 each year
- You may be able to save around $150 per year just by quoting online in advance
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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