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.
Average insurance prices for a Chevrolet Trax are $1,246 every 12 months for full coverage insurance. Comprehensive costs around $240 each year, collision insurance costs $418, and liability is $430. A liability-only policy costs around $486 a year, and high-risk insurance costs around $2,692. 16-year-old drivers receive the highest rates at up to $4,776 a year.
Average premium for full coverage: $1,246
Rate estimates for individual coverage type:
Estimates include $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Trax models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the cheapest price of $486 for just liability insurance to a high rate of $2,692 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.
These examples illustrate why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on 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.
More Rate Details
The chart below illustrates average Chevrolet Trax insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $728
- Raising to $1,000 deductibles will save about $150 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,246
- Buying low deductibles increases the price to $1,536
- Drivers with multiple tickets or accidents could pay at least $2,692
- The cost to insure a 16-year-old driver can be $4,776
Insurance rates for a Chevrolet Trax can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $440 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $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 for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 134% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Chevrolet Trax insurance prices. A middle-age driver might find rates as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,680 on average in Michigan, New York, and Florida.
| 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% |
| 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 Low Cost Chevrolet Trax Insurance
Saving money on insurance for a Chevrolet Trax consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a review of the car insurance concepts touched on in this article.
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,450 more every year for Trax insurance
- It is possible to save up to $150 per year just by quoting online in advance
- Increasing deductibles could save as much as $450 each year
- Insureds who may need higher liability limits will pay around $470 annually to raise from a minimum 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 | $4,776 |
| 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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