Estimates, not quotes

GMC Terrain vs Chevrolet Trax Insurance Cost

The Chevrolet Trax is cheaper to insure by about $50 a year for full coverage by our estimate ($1,480 vs. $1,430), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageGMC TerrainChevrolet TraxDifference
State minimum$610$645−$35
Standard (100/300/100)$885$935−$50
Full coverage$1,480$1,430+$50

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Terrain minus Trax.

Why one costs more to insure

FactorGMC TerrainChevrolet Trax
SegmentSmall SUVSmall SUV
PowertrainsGasoline, Diesel, Flex-fuelGasoline, Flex-fuel
HLDI collision (100 = avg)8573
HLDI comprehensive8166
HLDI property damage liability9098
HLDI bodily injury liability115126
NHTSA overall rating—4★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)12

Collision losses are the biggest swing factor: the GMC Terrain has 12 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Chevrolet Trax.

Terrain vs Trax insurance by state

StateTerrainTraxDifference
Alabama$1,280$1,220+$60
Alaska$1,290$1,245+$45
Arizona$1,555$1,505+$50
Arkansas$1,290$1,215+$75
California$1,440$1,380+$60
Colorado$1,675$1,600+$75
Connecticut$1,585$1,550+$35
Delaware$1,670$1,650+$20
District of Columbia$1,860$1,790+$70
Florida$2,150$2,140+$10
Georgia$1,850$1,825+$25
Hawaii$1,015$970+$45
Idaho$1,000$965+$35
Illinois$1,275$1,225+$50
Indiana$1,045$1,000+$45
Iowa$990$925+$65
Kansas$1,170$1,100+$70
Kentucky$1,245$1,210+$35
Louisiana$2,055$1,990+$65
Maine$935$895+$40
Maryland$1,665$1,620+$45
Massachusetts$1,450$1,400+$50
Michigan$1,605$1,545+$60
Minnesota$1,225$1,165+$60
Mississippi$1,405$1,340+$65
Missouri$1,335$1,275+$60
Montana$1,165$1,095+$70
Nebraska$1,170$1,100+$70
Nevada$1,725$1,720+$5
New Hampshire$1,045$1,000+$45
New Jersey$1,805$1,780+$25
New Mexico$1,320$1,265+$55
New York$2,005$1,970+$35
North Carolina$1,090$1,025+$65
North Dakota$930$860+$70
Ohio$1,050$1,005+$45
Oklahoma$1,320$1,245+$75
Oregon$1,340$1,320+$20
Pennsylvania$1,280$1,220+$60
Rhode Island$1,800$1,765+$35
South Carolina$1,595$1,565+$30
South Dakota$1,105$1,015+$90
Tennessee$1,220$1,160+$60
Texas$1,745$1,660+$85
Utah$1,355$1,330+$25
Vermont$945$890+$55
Virginia$1,270$1,225+$45
Washington$1,300$1,270+$30
West Virginia$1,225$1,155+$70
Wisconsin$1,005$955+$50
Wyoming$1,130$1,040+$90

By driver profile (full coverage)

DriverTerrainTrax
Teen driver (18, own policy)$4,070$3,930
Young adult (22)$2,370$2,290
Adult in their 30s$1,480$1,430
Adult in their 50s$1,360$1,315
Senior (72)$1,660$1,600
30s, one at-fault accident$2,145$2,075
30s, DUI on record$2,740$2,645

More comparisons

Frequently asked questions

Is the GMC Terrain or the Chevrolet Trax cheaper to insure?

By our estimate the Chevrolet Trax is cheaper, by about $50 a year for full coverage ($1,480 vs. $1,430) for a driver in their 30s with a clean record.

Why does insurance cost differ between the GMC Terrain and Chevrolet Trax?

Mostly because of insurance-loss history: HLDI collision indices of 85 vs. 73 and comprehensive indices of 81 vs. 66 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page