Chevrolet Trax Insurance Rates

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Jeffrey Johnson

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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...

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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.

Estimated insurance prices for a Chevrolet Trax are $1,246 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $240 a year, collision costs $418, and liability costs around $430. A policy with only liability insurance costs as low as $486 a year, with a high-risk policy costing $2,692 or more. 16-year-old drivers pay the most at $4,776 a year or more.

Average premium for full coverage: $1,246

Premium estimates by type of coverage:

Comprehensive $240
Collision $418
Liability $430

Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Trax trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Chevrolet Trax go from the cheapest price of $486 for basic liability insurance to a high of $2,692 for high-risk insurance.

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

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

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

These rate differences illustrate why it is important to compare prices using their specific location 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.

Rate Comparisons

The chart below illustrates estimated Chevrolet Trax insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $728
  • Using higher $1,000 deductibles will save $1,096 each year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,246
  • Buying low $100 deductibles for physical damage coverage costs an extra $290 annually
  • High-risk insureds with multiple tickets or accidents could pay around $2,692 or more
  • An auto insurance policy to insure a 16-year-old driver can cost $4,776 or more

View Chart as Image

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

Car insurance prices for a Chevrolet Trax also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Trax.

Opting for high physical damage deductibles could cut prices by as much as $440 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than the average rate. View High Risk Driver Rates

Where you choose to live has a huge impact on Chevrolet Trax insurance prices. A driver around age 40 might see prices as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,680 on average in Florida, New York, and Michigan.

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

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different.

Chevrolet Trax Insurance Rates by Model Year
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 the Best Chevrolet Trax Insurance

Finding better rates on insurance for a Chevrolet Trax requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Take the time to compare rates every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief recap of the material that was covered in the above illustrations.

  • Insureds who purchase more liability protection will pay around $470 annually to increase from 30/60 bodily injury limits to a 250/500 level
  • Youthful drivers pay the highest auto insurance prices, with premiums being up to $398 per month if the policy includes full coverage
  • Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,450 more per year than a low-risk driver
  • Increasing policy deductibles could save as much as $450 each year

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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