Chevrolet Trax Insurance Rates

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 each year, collision insurance costs $418, and liability coverage costs $430. Liability-only coverage costs as little as $486 a year, and high-risk coverage costs $2,692 or more. Teen 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:

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Trax models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference location can make on car insurance rates.

The examples above highlight why all drivers should compare rates based on a specific location and risk profile, rather than using price averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

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

• The lowest rate with discounts is $728
• Drivers who choose higher $1,000 deductibles will pay around $150 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,246
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $290 each year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,692
• Policy cost for full coverage for a teenage driver may cost $4,776 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

Your home state makes a big difference in Chevrolet Trax insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,780 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $440 a year, whereas increasing 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 each 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 additional every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 134% more than average. View High Risk Driver Rates

How to Find More Affordable Chevrolet Trax Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Make time to compare rates every time your policy renews by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a summary of the information touched on in this article.

• You may be able to save as much as $150 per year just by quoting online in advance
• Teen drivers pay higher rates, with premiums being up to $398 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $450 each year
• Drivers who have multiple accidents or major violations may pay on average $1,450 more each year to insure their Trax
• Consumers who require more liability coverage will pay about $470 per year to go from a 30/60 limit to 250/500 limits

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.

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.

• Ford Escape Insurance Rates
• Honda CR-V Insurance Rates
• Kia Sportage Insurance Rates

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.