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 prices for a Chevrolet Trax are $1,246 every 12 months with full coverage. Comprehensive insurance costs on average $240 each year, collision insurance costs $418, and liability is $430. Buying just liability costs around $486 a year, and insurance for high-risk drivers costs $2,692 or more. Teenage 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

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Trax models.

Price Range Variability

Using a 40-year-old driver as an example, Chevrolet Trax insurance rates range from the cheapest price of $486 for a discount liability-only rate to a high rate of $2,692 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.

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

The examples above demonstrate why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on 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.

Rates by State, City, and Model

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

  • The best discount rate is $728
  • Raising to $1,000 deductibles will save around $150 annually
  • The average price for a good driver age 40 with $500 deductibles is $1,246
  • Using low deductibles costs an extra $290 annually
  • Drivers who are prone to accidents and violations could pay upwards of $2,692
  • Policy cost to insure a 16-year-old driver 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 liability limits and deductibles, your driving record, and the trim level of your Trax.

Using high physical damage deductibles can reduce rates by up to $440 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Chevrolet Trax insurance prices. A middle-age driver might find rates as low as $900 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,680 on average in Florida, Michigan, and New York.

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
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 Shop for Cheaper Chevrolet Trax Insurance

Finding cheaper rates on insurance for a Chevrolet Trax consists of having a decent driving record, having good credit, not filing small claims, and determing if full coverage is necessary. Set aside time to shop around every year by getting rate quotes from direct companies, and also from local exclusive and independent agents.

The following items are a condensed summary of the coverage data raised in the charts and tables above.

  • You may be able to save as much as $150 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $450 each year
  • 16 to 18-year-old drivers pay the highest rates, as much as $398 each month if they have full coverage
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,450 more each year than a driver with a clean driving record

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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