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.
U.S. average insurance prices for a Chevrolet Trax are $1,230 every 12 months including full coverage. Comprehensive insurance costs an estimated $226, collision costs $404, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $2,668 or more. Teens pay the highest rates at $4,762 a year or more.
Average premium for full coverage: $1,230
Price estimates broken down by individual coverage:
Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Trax trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Chevrolet Trax insurance prices go from the cheapest price of $496 for just liability insurance to a much higher rate of $2,668 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.
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.
More Rate Details
The chart below breaks down estimated Chevrolet Trax insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $718
- Raising to $1,000 deductibles will save approximately $142 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,230
- Selecting more expensive low deductibles costs an extra $278 annually
- Drivers with serious driving violations could pay up to $2,668 or more
- The price to insure a 16-year-old driver with full coverage can cost as much as $4,762
Car insurance prices for a Chevrolet Trax are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $420 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 136% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Chevrolet Trax insurance prices. A middle-age driver might find prices as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,760 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,112 | -$118 | -9.6% |
| Alaska | $946 | -$284 | -23.1% |
| Arizona | $1,024 | -$206 | -16.7% |
| Arkansas | $1,230 | -$0 | 0.0% |
| California | $1,402 | $172 | 14.0% |
| Colorado | $1,176 | -$54 | -4.4% |
| Connecticut | $1,264 | $34 | 2.8% |
| Delaware | $1,392 | $162 | 13.2% |
| Florida | $1,538 | $308 | 25.0% |
| Georgia | $1,136 | -$94 | -7.6% |
| Hawaii | $884 | -$346 | -28.1% |
| Idaho | $834 | -$396 | -32.2% |
| Illinois | $916 | -$314 | -25.5% |
| Indiana | $926 | -$304 | -24.7% |
| Iowa | $828 | -$402 | -32.7% |
| Kansas | $1,170 | -$60 | -4.9% |
| Kentucky | $1,678 | $448 | 36.4% |
| Louisiana | $1,822 | $592 | 48.1% |
| Maine | $760 | -$470 | -38.2% |
| Maryland | $1,016 | -$214 | -17.4% |
| Massachusetts | $984 | -$246 | -20.0% |
| Michigan | $2,138 | $908 | 73.8% |
| Minnesota | $1,030 | -$200 | -16.3% |
| Mississippi | $1,474 | $244 | 19.8% |
| Missouri | $1,090 | -$140 | -11.4% |
| Montana | $1,324 | $94 | 7.6% |
| Nebraska | $970 | -$260 | -21.1% |
| Nevada | $1,476 | $246 | 20.0% |
| New Hampshire | $886 | -$344 | -28.0% |
| New Jersey | $1,376 | $146 | 11.9% |
| New Mexico | $1,090 | -$140 | -11.4% |
| New York | $1,298 | $68 | 5.5% |
| North Carolina | $708 | -$522 | -42.4% |
| North Dakota | $1,008 | -$222 | -18.0% |
| Ohio | $850 | -$380 | -30.9% |
| Oklahoma | $1,264 | $34 | 2.8% |
| Oregon | $1,128 | -$102 | -8.3% |
| Pennsylvania | $1,176 | -$54 | -4.4% |
| Rhode Island | $1,642 | $412 | 33.5% |
| South Carolina | $1,114 | -$116 | -9.4% |
| South Dakota | $1,038 | -$192 | -15.6% |
| Tennessee | $1,080 | -$150 | -12.2% |
| Texas | $1,482 | $252 | 20.5% |
| Utah | $912 | -$318 | -25.9% |
| Vermont | $842 | -$388 | -31.5% |
| Virginia | $738 | -$492 | -40.0% |
| Washington | $952 | -$278 | -22.6% |
| West Virginia | $1,128 | -$102 | -8.3% |
| Wisconsin | $852 | -$378 | -30.7% |
| Wyoming | $1,098 | -$132 | -10.7% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every auto insurance company calculates prices differently, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Chevrolet Trax | $256 | $448 | $398 | $1,260 |
| 2023 Chevrolet Trax | $248 | $436 | $416 | $1,258 |
| 2022 Chevrolet Trax | $240 | $418 | $430 | $1,246 |
| 2021 Chevrolet Trax | $226 | $404 | $442 | $1,230 |
| 2020 Chevrolet Trax | $218 | $374 | $452 | $1,202 |
| 2019 Chevrolet Trax | $208 | $352 | $456 | $1,174 |
| 2018 Chevrolet Trax | $200 | $316 | $460 | $1,134 |
| 2017 Chevrolet Trax | $188 | $292 | $460 | $1,098 |
| 2016 Chevrolet Trax | $180 | $272 | $464 | $1,074 |
| 2015 Chevrolet Trax | $176 | $254 | $474 | $1,062 |
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
Getting lower rates on insurance for a Chevrolet Trax consists of being a low-risk driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Set aside time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a condensed summary of the information raised in the charts and tables above.
- You may be able to save approximately $150 per year simply by shopping early and online
- Teen drivers have the highest car insurance prices, possibly costing $397 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $425 each year
- Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,440 more annually to insure their Trax
- Insureds who want more liability coverage will pay approximately $490 per year to raise from a low limit to a 250/500 level
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 | $4,762 |
| 20 | $2,846 |
| 30 | $1,272 |
| 40 | $1,230 |
| 50 | $1,128 |
| 60 | $1,106 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,508 |
| $250 | $1,378 |
| $500 | $1,230 |
| $1,000 | $1,088 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,230 |
| 50/100 | $1,318 |
| 100/300 | $1,429 |
| 250/500 | $1,716 |
| 100 CSL | $1,363 |
| 300 CSL | $1,606 |
| 500 CSL | $1,783 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,760 |
| 20 | $4,536 |
| 30 | $2,712 |
| 40 | $2,668 |
| 50 | $2,550 |
| 60 | $2,528 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $512 |
Discounts are estimated and may not be available from every company or in every state.
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