Chevrolet Trax Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
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 rates for a Chevrolet Trax are $1,230 a year with full coverage. Comprehensive insurance costs an estimated $226, collision costs $404, and liability insurance costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing $2,668 or more. Teen drivers receive the highest rates at $4,762 a year or more.
Average premium for full coverage: $1,230
Rate estimates broken down by individual coverage type:
Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Trax models.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $496 for basic liability insurance to the much higher price of $2,668 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.
The example below illustrates the effect of geographic area on insurance prices.
These examples demonstrate why everyone should compare prices for a targeted area and risk profile, 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.
Rate Comparisons
The chart below details estimated Chevrolet Trax insurance rates for other coverage scenarios.
- The lowest rate with discounts is $718
- Using higher $1,000 deductibles will save approximately $142 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,230
- Choosing pricier low deductibles for physical damage coverage will cost an extra $278 a year
- Drivers with multiple violations and an at-fault accident could pay up to $2,668 or more
- The cost for full coverage for a teen driver for full coverage can cost as much as $4,762 or more
Insurance rates for a Chevrolet Trax can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $4,700 a year. View Rates by Age
Where you live has a huge impact on Chevrolet Trax insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,660 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles could cut rates by as much as $420 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,500 to $2,000 extra per year, depending on your age. Chevrolet Trax insurance for high-risk drivers can be anywhere from 42% to 136% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.
| 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 Find the Cheapest Chevrolet Trax Insurance
Saving money on Chevrolet Trax insurance requires having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following items are a recap of the ideas that were covered in the above illustrations.
- 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $397 per month for full coverage
- High-risk drivers that have major violations or accidents may pay on average $1,440 more annually than a driver with a clean driving record
- Increasing deductibles can save around $425 each year
- You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
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.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
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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