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 $1,230 a year including full coverage. Comprehensive insurance costs around $226, collision insurance costs $404, and liability coverage is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs $2,668 or more. Teens cost the most to insure at up to $4,762 a year.

Average premium for full coverage: $1,230

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Trax trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than using averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Chevrolet Trax insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $718
• Raising to $1,000 deductibles will save about $142 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,230
• Selecting more expensive low deductibles will cost an additional $278 each year
• Unlucky drivers with serious driving violations could pay at least $2,668
• Policy cost that insures a teenage driver with full coverage can be $4,762

View Chart as Image

Auto insurance rates for a Chevrolet Trax also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 136% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $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 $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,760 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $420 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Chevrolet Trax Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a condensed summary of the data that was raised in the charts and tables above.

• You may be able to save up to $150 per year just by shopping early and online
• Consumers who may need increased liability limits will pay approximately $490 per year to raise from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums being up to $397 each month if the policy includes full coverage
• Drivers with multiple at-fault accidents may have to pay on average $1,440 more every year to insure a Chevrolet Trax

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.