Chevrolet Trax Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 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 insurance is $430. A liability-only policy costs around $486 a year, and high-risk insurance costs $2,692 or more. Teen drivers receive the highest rates at up to $4,776 a year.

Average premium for full coverage: $1,246

Rate estimates by individual coverage type:

Comprehensive $240
Collision $418
Liability $430

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Trax models.

Price Range by Coverage and Risk

For an average driver, prices range range from the low end price of $486 for liability-only coverage to a high rate of $2,692 for a high-risk driver policy.

Liability Only $486
Full Coverage $1,246
High Risk $2,692

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $935
Small Cities $1,308
Large Cities $1,682

These examples highlight why all drivers should compare rates quotes based on a specific location, rather than relying on price 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.

Additional Charts and Tables

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

  • The lowest rate with discounts is $728
  • Raising to $1,000 deductibles will save around $150 every year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,246
  • Choosing low deductibles will cost an additional $290 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,692
  • The cost that insures a teen driver may cost $4,776

View Chart as Image

Chevrolet Trax insurance cost comparison chart
Column chart showing Chevrolet Trax insurance prices range from $728 to $4,776 for full coverage

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

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age

Where you live also has a big influence on Chevrolet Trax insurance rates. A middle-age driver might find rates 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.

Chevrolet Trax Insurance Rates by State
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%

View Chart as Image

Chevrolet Trax insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $440 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit

Chevrolet Trax Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Chevrolet Trax $240 $418 $430 $1,246
2018 Chevrolet Trax $218 $374 $452 $1,202
2017 Chevrolet Trax $208 $352 $456 $1,174
2016 Chevrolet Trax $200 $316 $460 $1,134
2015 Chevrolet Trax $188 $292 $460 $1,098

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 the Best Cheap Chevrolet Trax Insurance

Saving money on Chevrolet Trax insurance consists of having a good driving record, having above-average credit, not filing small claims, and determing if full coverage is necessary. Shop around every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick review of the information covered in the above illustrations.

  • You may be able to save as much as $150 per year just by quoting online in advance
  • Drivers age 20 and younger pay the highest rates, as much as $398 per month if full coverage is included
  • Increasing deductibles can save approximately $450 each year
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,450 more each year to buy Chevrolet Trax insurance
  • Drivers who require increased levels of liability coverage will pay about $470 per year to raise from a minimum limit to the 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.

Rates by Driver Age

Chevrolet Trax Insurance 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

Chevrolet Trax Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,536
$250 $1,400
$500 $1,246
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Trax Insurance Rates with Different Liability Limits
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

Chevrolet Trax Insurance 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.

SR-22 Surcharge $172

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
Rate after discounts $728

Discounts are estimated and may not be available from every company or in every state.

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