Chevrolet Trax Insurance Cost

Full coverage for a Chevrolet Trax costs about $1,430 a year ($119/month) by our estimate — ▼ −10% versus the average vehicle, ranking 60th cheapest of 310 current models.

Chevrolet Trax exterior (photo from Wikimedia Commons) — Photo: MercurySable99, CC BY-SA 4.0

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

Chevrolet Trax insurance cost at a glance

Full coverage

$1,430

$119/mo · $1,175–$1,685

Minimum liability

$645

$54/mo

Segment

Small SUV

Gasoline, Flex-fuel

HLDI collision losses

Much better than average (100 = avg)

NHTSA overall

★★★★☆

2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2015–2026 model years of the Chevrolet Trax.

Estimated Chevrolet Trax premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$645	$54	$530–$760
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$935	$78	$770–$1,105
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,430	$119	$1,175–$1,685

What drives the cost of insuring a Chevrolet Trax

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Chevrolet Trax's results put our vehicle factor at 1.05× for liability, 0.76× for collision and 0.69× for comprehensive.

HLDI relative insurance losses — Chevrolet Trax 4dr (Small SUVs)
Coverage	Index	Rating	What it measures
Collision	73	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	66	Much better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	98	Average	Damage this car does to other vehicles and property
Bodily injury liability	126	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	126	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	132	Much worse than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Small SUV — mainstream parts availability keeps repairs moderate.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 2 NHTSA recall campaigns and 269 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Chevrolet Trax trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Trax	FWD	1.2L 3-cyl Turbo	29
Trax FFV	FWD	1.2L 3-cyl Turbo	30

Chevrolet Trax insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	1.2L 3-cyl Turbo	FWD	29–30	$1,430
2025	1.2L 3-cyl Turbo	FWD	29–30	$1,405
2024	1.2L 3-cyl Turbo	FWD	30	$1,385
2022	1.4L 4-cyl Turbo	AWD, FWD	26–27	$1,335
2021	1.4L 4-cyl Turbo	AWD, FWD	26–28	$1,315
2020	1.4L 4-cyl Turbo	AWD, FWD	26–28	$1,290
2019	1.4L 4-cyl Turbo	AWD, FWD	26–28	$1,265
2018	1.4L 4-cyl Turbo	AWD, FWD	27–28	$1,245
2017	1.4L 4-cyl Turbo	AWD, FWD	27–28	$1,220
2016	1.4L 4-cyl Turbo	AWD, FWD	27–29	$1,195
2015	1.4L 4-cyl Turbo	AWD, FWD	27–29	$1,195

Chevrolet Trax insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Trax page for that state.

State	Full coverage	Minimum	vs. national	Trax page
Alabama	$1,220	$505	−15%	Trax in AL
Alaska	$1,245	$655	−13%	Trax in AK
Arizona	$1,505	$695	+5%	Trax in AZ
Arkansas	$1,215	$470	−15%	Trax in AR
California	$1,380	$605	−3%	Trax in CA
Colorado	$1,600	$685	+12%	Trax in CO
Connecticut	$1,550	$750	+8%	Trax in CT
Delaware	$1,650	$845	+15%	Trax in DE
District of Columbia	$1,790	$780	+25%	Trax in DC
Florida	$2,140	$1,135	+50%	Trax in FL
Georgia	$1,825	$915	+28%	Trax in GA
Hawaii	$970	$460	−32%	Trax in HI
Idaho	$965	$420	−33%	Trax in ID
Illinois	$1,225	$525	−14%	Trax in IL
Indiana	$1,000	$425	−30%	Trax in IN
Iowa	$925	$325	−35%	Trax in IA
Kansas	$1,100	$425	−23%	Trax in KS
Kentucky	$1,210	$555	−15%	Trax in KY
Louisiana	$1,990	$830	+39%	Trax in LA
Maine	$895	$445	−37%	Trax in ME
Maryland	$1,620	$790	+13%	Trax in MD
Massachusetts	$1,400	$625	−2%	Trax in MA
Michigan	$1,545	$805	+8%	Trax in MI
Minnesota	$1,165	$495	−19%	Trax in MN
Mississippi	$1,340	$560	−6%	Trax in MS
Missouri	$1,275	$540	−11%	Trax in MO
Montana	$1,095	$415	−23%	Trax in MT
Nebraska	$1,100	$425	−23%	Trax in NE
Nevada	$1,720	$910	+20%	Trax in NV
New Hampshire	$1,000	$425	−30%	Trax in NH
New Jersey	$1,780	$985	+24%	Trax in NJ
New Mexico	$1,265	$545	−12%	Trax in NM
New York	$1,970	$980	+38%	Trax in NY
North Carolina	$1,025	$470	−28%	Trax in NC
North Dakota	$860	$290	−40%	Trax in ND
Ohio	$1,005	$425	−30%	Trax in OH
Oklahoma	$1,245	$495	−13%	Trax in OK
Oregon	$1,320	$660	−8%	Trax in OR
Pennsylvania	$1,220	$450	−15%	Trax in PA
Rhode Island	$1,765	$865	+23%	Trax in RI
South Carolina	$1,565	$770	+9%	Trax in SC
South Dakota	$1,015	$330	−29%	Trax in SD
Tennessee	$1,160	$475	−19%	Trax in TN
Texas	$1,660	$725	+16%	Trax in TX
Utah	$1,330	$685	−7%	Trax in UT
Vermont	$890	$335	−38%	Trax in VT
Virginia	$1,225	$660	−14%	Trax in VA
Washington	$1,270	$620	−11%	Trax in WA
West Virginia	$1,155	$460	−19%	Trax in WV
Wisconsin	$955	$390	−33%	Trax in WI
Wyoming	$1,040	$340	−27%	Trax in WY

Chevrolet Trax insurance by driver profile

Estimated annual Chevrolet Trax premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,775	$2,575	$3,930	$328
Young adult (22)	$1,035	$1,500	$2,290	$191
Adult in their 30s	$645	$935	$1,430	$119
Adult in their 50s	$595	$860	$1,315	$110
Senior (72)	$725	$1,050	$1,600	$133
30s, one at-fault accident	$935	$1,360	$2,075	$173
30s, DUI on record	$1,195	$1,730	$2,645	$220

Chevrolet Trax vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Chevrolet Trax	$1,430	73	66	—
Honda CR-V	$1,200	63	65	Compare
GMC Terrain	$1,480	85	81	Compare
Nissan Rogue	$1,430	82	74	Compare

Estimate Chevrolet Trax insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Other Chevrolet models

Blazer EV $1,520/yr
Bolt EV $1,610/yr
Corvette $1,520/yr
Equinox $1,470/yr
Equinox EV $1,520/yr
Suburban $1,610/yr
Tahoe $1,450/yr
Traverse $1,050/yr
Blazer $1,510/yr
Colorado $1,355/yr
Silverado 1500 $1,725/yr
Silverado EV $1,600/yr
Trailblazer $1,475/yr
Malibu $2,055/yr
Camaro $2,245/yr
Bolt EUV $1,395/yr
Spark $1,390/yr
Impala $1,375/yr
Sonic $1,305/yr
Cruze $1,310/yr
Volt $1,310/yr
City Express $1,280/yr
Express $1,250/yr
SS $1,300/yr
Captiva Sport $1,200/yr
Avalanche $1,240/yr
Aveo $1,220/yr
HHR $1,190/yr
Cobalt $1,245/yr
Malibu Classic $1,255/yr

All Chevrolet insurance costs →

Frequently asked questions

How much is insurance for a Chevrolet Trax?

We estimate about $1,430 a year ($119 a month) for full coverage and $645 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 10% less than the average vehicle.

Is the Chevrolet Trax expensive to insure?

HLDI insurance-loss data rates it at 73 for collision and 66 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Chevrolet Trax?

North Dakota has the lowest estimate (about $860 a year for full coverage) and Florida the highest (about $2,140).

What is the Chevrolet Trax's NHTSA safety rating?

The 2025 Chevrolet Trax earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Chevrolet Trax cheaper to insure than the Honda CR-V?

By our estimate the Chevrolet Trax costs about $1,430 a year versus $1,200 for the Honda CR-V, making the Honda CR-V cheaper to insure.

How much is Chevrolet Trax insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,930 a year at national-average rates by our estimate.

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