Chevrolet Trax Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring a Chevrolet Trax costs about the same as insuring the average SUV.

• Liability only insurance prices for a Trax tend to be around $80 a month, while full coverage usually averages about $156.

• AmericanAlliance is the most affordable car insurance carrier for a Trax.

Trax Overview

The Chevrolet Trax is a great budget-friendly car for drivers of all types, with new 2021 models starting at $21,400. Drive off the dealership lot in style, with two different trim options available.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that average Chevrolet Trax insurance premiums run around $146 monthly. How do car insurance rates for the Trax stack up against other similar SUVs?

How Much is Car Insurance for a Chevrolet Trax?

You'll see in the table above that Chevrolet Trax insurance prices are right about average compared to other vehicles on the road. Trax owners normally pay around $156 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $80 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

When you compare it to other models, the Trax is slightly cheaper, with premiums about 5% lower than Chevrolet's other vehicle offerings. But compared to other vehicles of a similar body style, Trax coverage runs close to average, with full coverage insurance rates coming in at $4 higher than other SUVs and liability insurance premiums at $1 cheaper.

When compared to all vehicles, regardless of model, make, or body style, the Trax follows a similar pattern of having average insurance rates.

Who has the Cheapest Car Insurance for a Chevrolet Trax?

In the market for a car insurance policy for your Chevrolet Trax? You're likely interested in which company offers the lowest prices. While costs will typically be pretty different from between drivers, the cheapest average rates for liability only insurance are as cheap as just $32 monthly from American Family. The runner up for lowest rates is Aspire, with auto insurance policies starting sometimes as cheap as $34 a month.

Mapfre, Commonwealth Casualty, and StateAuto finish off the rest of the top 5. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, car insurance companies look at a lot of different things when calculating premiums, so your results might be different. The only way to guarantee you'll find the most affordable rates is to compare quotes from a range of auto insurance carriers.

What Factors Affect Car Insurance Rates for a Chevrolet Trax?

There are several factors that insurance companies take into account to determine how much to charge for a policy -- and every carrier weighs different variables more heavily than others, so there's not just one company that's the cheapest for each Trax owner.

Below are just a few of the variables auto insurance carriers look at and how each one affects your final rate:

Vehicle Age

The Chevrolet Trax has been around for a while, so vehicle age may make a difference in what you end up paying for car insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Traxs begin to depreciate, insurance costs will gradually get lower.

Based on the information in the table above, the Chevrolet Trax is an outlier, as the most expensive models to insure are those that are 6 to 7 years old, while the cheapest Traxs are 2 to 3 years old, on average.

Your Age

Age is another variable that plays a significant role in how much insurance companies will charge you for a policy. Based on the information above, drivers who have more experience pay less for auto insurance than younger Trax drivers. Chevrolet Trax drivers aged between 18 and 24 actually pay $7 more than those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group for Trax drivers being 55-64.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to charge women less than men. When it comes to Trax drivers specifically, men pay around $3 more than women monthly for car insurance.

Where You Live

You might already know that things such as how old you are and what vehicle you drive play a role in your insurance prices, but you may not realize that where you live matters, too. Because car insurance is regulated on the state level rather than nationally, rates differ quite a bit from state to state.

For example, the average Chevrolet Trax driver from New York pays about $164 per month for liability coverage. Meanwhile, the same owner in California will pay less than 50% of that price, on average. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change between states.

Chevrolet Trax Car Insurance Discounts

Regardless of which car you drive, how old you are, or what state you call home, using as many discounts as possible when it comes to your auto insurance policy is always important.

While no two insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Multi-vehicle discounts for having several cars on your auto policy
• Pay-in-full discounts for drivers who agree to pay their entire policy rate at once, rather than in monthly installments
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings

While discounts are always a good way to save money on your car insurance, some of the best ways to save are just by having a positive insurance profile and good driving record.

Of course, you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), but there is quite a bit of it that you can influence. Below are just a few of the factors you can use in your favor in order to save money on insurance:

Your Driving Record

You've probably noticed ads from auto insurance companies posting big savings for safe drivers. It should be no surprise that if you get into a collision or get tickets, insurance rates will get higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.

If you look at the table above, you'll see that accidents will usually cost Trax drivers less than tickets, but both will result in higher than normal rates. Chevrolet Trax drivers with one ticket will pay about $89 monthly, while drivers with a single accident on their record pay an average of $88 a month (up $8 from the $80/mo. overall average). The rates only go up the more tickets you get or accidents you have.

How Much You Drive

Another factor that affects your car insurance premiums is the total amount of miles you drive each year. Those who drive less are less likely to get speeding tickets, so they'll generally end up spending less on insurance. In the above table, you can see that Chevrolet Trax owners who drive between 2,500 and 5,000 miles every year pay about $64 a month for auto insurance, while those who put between 7,500 and 10,000 miles on their cars pay $86.

If you drive less often than the average driver or work from home, you might consider getting a usage-based or pay-per-mile car insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Chevrolet Traxs Compare to Other Vehicles?

If you're considering buying a Chevrolet Trax, you might be wondering how it compares to other cars. Car insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Visit the table below to see how the Chevrolet Trax stacks up:

As you can see, a Chevrolet Trax is a great value when it comes to overall price tag. While the national average vehicle price is $46,179, the Trax retails at just $21,400.

But while the purchase price is on the lower end of the spectrum, insurance prices run above average when compared to the rest of the vehicle market. Full coverage insurance for a Chevrolet Trax is around $44 per month more than average, while liability only coverage is per month.

When it comes to usage, Chevrolet Trax drivers are near the national average in annual miles driven, with 11,660 miles per year for all vehicles compared to the Trax's 11,367 each year.

Chevrolet Trax Car Insurance Costs by Model Year

You've seen how different variables can affect how much the average driver pays for car insurance. But if you're thinking about buying a new vehicle and the Trax is one you're considering, having a good idea of exactly how much you'll pay can be helpful as you consider your options.

That's why we've decided to break down Chevrolet Trax auto insurance premiums by model year. Simply choose a specific Trax model year in the dropdown below and see average rates for both full coverage and liability only insurance. We've also included some other helpful info that might help you make a decision, like the base MSRP, who offers the lowest policies, which trim levels are offered for each Trax model year.

2021 Chevrolet Trax Car Insurance

As we saw above, if you're considering a brand new 2021 SUV, the latest Chevrolet Trax is a fantastic option for your budget.

When it comes to car insurance, on average, it costs about $213 monthly to buy full coverage insurance for a 2021 Chevrolet Trax and $160 per month for a liability only policy. And if you want the cheapest insurance possible, Clearcover offers liability only policies for as low as just $45 a month.

Although it's helpful to know how much the average driver pays for insurance, a personalized quote is the only way to find out exactly how much you'll pay. With Compare.com, you can get a variety of quotes at once, all for free. Simply enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

2020 Chevrolet Trax Car Insurance

If you're looking to buy a 2020 Trax or already own one, you can expect an average insurance price of around $76 for liability or $157 for full coverage.

And if you're just looking for the lowest auto insurance for your Trax, Mile Auto offers liability only policies for sometimes as little as $23 per month.

While these are good estimates of what the average driver might pay to insure a 2020 Chevrolet Trax, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2019 Chevrolet Trax Car Insurance

2019 Trax drivers can expect to pay an average of $78 monthly for liability or $165 for full coverage.

If you're looking for the lowest possible 2019 Chevrolet Trax insurance policy, Clearcover offered the most affordable policy we found, with rates as little as just $20 a month.

If you want to find the best prices for insurance for a 2019 Chevrolet Trax, enter your ZIP code below and compare a multitude of personalized quotes in just a few minutes.

2018 Chevrolet Trax Car Insurance

You can expect full coverage for a 2018 Chevrolet Trax to run about $152 monthly, while liability only coverage will average around $70 per month.

Commonwealth Casualty offered the lowest policy we found, with rates as low as $22 a month.

Interested in just how much you'll pay? Get lots of customized quotes for free by just entering your ZIP code below.

2017 Chevrolet Trax Car Insurance

The average cost to insure a 2017 Trax with liability only coverage is $81 monthly, while full coverage runs about $154 per month.

Shelter Mutual has premiums sometimes as low as $22 a month for the 2017 Chevrolet Trax.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2016 Chevrolet Trax Car Insurance

It costs around $77 per month for liability or $158 for a full coverage policy for the 2016 Chevrolet Trax.

With rates as little as $18 a month, Commonwealth Casualty offered the cheapest policy we found.

Want to know exactly what your car insurance premium will be? Get multiple free personalized quotes by just entering your ZIP code below.

2015 Chevrolet Trax Car Insurance

On average, drivers who own a 2015 Trax can expect to pay $84 to $145 monthly for liability only and full coverage auto insurance, respectively.

With prices as cheap as $21 a month, Commonwealth Casualty offered the most affordable policy we found for the 2015 Chevrolet Trax.

These average rates are a great starting point if you're in the market for a 2015 Chevrolet Trax, but there are a multitude of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

Chevrolet Trax Insurance FAQs

Is a Chevrolet Trax expensive to insure?

Liability insurance runs an average of $80 per month, while full coverage will cost you around $156. It costs about the same to insure a Chevrolet Trax as insuring the average vehicle.

How can I get the best price on car insurance for my Chevrolet Trax?

There's only one way to be confident you're getting the lowest rates -- checking prices regularly and comparing quotes from lots of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from numerous companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Chevrolet Trax affect my insurance premiums?

You've probably heard that it costs more to insure red cars than silver or white ones, but that's just a myth. Even though there are many things insurance carriers think about when they decide how much your policy will be, your car's color is not on that list.

Do I need to have insurance before I buy a Chevrolet Trax?

You'll need to have valid car insurance for your Trax before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships might offer you an insurance policy, but your best bet is letting your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Chevrolet Trax?

You will find a multitude of discounts out there for car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your Trax has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. The only way to know for sure is to get in touch with your insurance company and ask about their discounts.