Chevrolet Trax Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
Estimated insurance rates for a Chevrolet Trax are $1,246 a year for full coverage. Comprehensive costs on average $240, collision costs $418, and liability is $430. Liability-only insurance costs around $486 a year, with high-risk driver insurance costing around $2,692. 16-year-old drivers pay the most at $4,776 a year or more.
Average premium for full coverage: $1,246
Premium estimates by type of coverage:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all Trax models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Chevrolet Trax go from as low as $486 for a discount liability-only rate to the much higher price of $2,692 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than congested cities.
The example below illustrates how location helps determine car insurance rates.
These rate differences show why everyone should compare rates quotes based on a specific location and risk profile, instead of 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.
Rates by State, City, and Model
The chart below shows estimated 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 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,246
- Buying pricier low deductibles will increase the cost to $1,536
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,692 or more
- An auto insurance policy for full coverage for a teen driver for full coverage may cost $4,776
Insurance prices for a Chevrolet Trax also have a wide range based on your driving characteristics, the trim level of your Trax, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age
Where you choose to live 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 Idaho, Maine, and Iowa, or at least $1,780 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $440 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $387 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 additional annually, depending on your age. Chevrolet Trax insurance for high-risk drivers is expensive and can cost as much as 44% to 134% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and prices will be substantially different from one company to the next.
| 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 Cheap Chevrolet Trax Insurance
Finding better rates on car insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The list below is a brief summary of the data covered in the charts and tables above.
- Policyholders who require higher liability limits will pay around $470 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Drivers can save as much as $150 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $450 each year
- Teenagers pay higher prices, as much as $398 per month including comprehensive and collision 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.
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,536 |
| $250 | $1,400 |
| $500 | $1,246 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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