Chevrolet Trax Insurance
And how to get the lowest premiums.
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Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.
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Bringing over 15 years of insurance experience, Greg is passionate about helping individuals and businesses understand their insurance options.
You want the best possible car insurance rates for your Chevrolet Trax, but it's crucial to make sure you compare the best insurance companies. When you have an independent insurance agent, you'll have access to multiple quotes with a single point of contact. Your agent can shop many companies to find the best coverage at a price that works for you.
Not sure where to find an independent agent in your area?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Chevrolet Trax.
What Kind of Insurance Do You Need for Your Chevrolet Trax?
Bodily injury liability
Bodily injury liability is a necessity, but you can choose how much coverage you want. Many states dictate a minimum amount of liability insurance, and your agent can help you decide whether to purchase more than the minimum amount. This policy pays for medical care needed by someone who is hurt in an accident that you cause.
Property damage liability
Property damage liability coverage is legally required, but it's smart to buy more than the minimum required amount. If you cause harm to someone else's property while driving your Chevrolet Trax, this policy will pay to repair or replace the property you damaged. Your agent can help you understand how best to balance the cost and coverage you need.
Medical payments/Personal injury protection
You can choose between medical payments and personal injury protection coverage, depending on the laws in your state. Both policies provide coverage for immediate and necessary medical care resulting from an accident.
Uninsured motorist coverage
Uninsured and underinsured motorist coverage protects you from having to pay for an accident that wasn't your fault. Not every driver carries the minimum amount of insurance required by law, and if they cause an accident, you may have to pay for the damage. With this coverage, your insurance company picks up the bill for covered accidents if the other driver doesn't have the insurance they need.
Optional coverages:
Collision
If you are in an accident with another vehicle or hit an object, your collision policy pays to repair or replace your vehicle. Collision coverage isn't the best choice for everyone, so discuss your options with your agent. If you have a loan on your Trax, you may be required to purchase this coverage.
Comprehensive
Comprehensive coverage covers everything that your collision policy doesn't handle. Fire, theft, vandalism, and even hitting an animal on the road can damage your vehicle. With this policy, your insurance company pays to fix or replace your Trax up to its market value.
Glass coverage
Driving with a broken windshield could earn you an expensive ticket, but replacing broken glass on your Trax could cost hundreds of dollars. A zero-deductible glass coverage policy handles the cost of replacing your windshield and adds just a few dollars to your insurance policy each month.
Gap insurance
Gap coverage helps pay the "gap" between the amount your insurance company pays and the amount you owe on your Chevrolet Trax if you are in an accident. Your insurance policy only pays up to the car's fair market value, so if you owe more than your Trax is worth, you'll be responsible for paying the gap without this coverage.
What Affects the Cost of Insurance for Your Chevrolet Trax?
Annual mileage: Driving more than 10,000 to 15,000 miles each year may cause a slight increase in your auto insurance premiums.
Your driving record: Trax drivers with a spotless record pay much less for auto insurance than those with moving violations or at-fault accidents.
The value of your vehicle: Insuring a 2020 Chevrolet Trax costs more, on average, than insuring an older model.
| Model year/average annual premium | |
| 2020 | $1,280 |
| 2018 | $1,260 |
| 2016 | $1,230 |
Average Chevrolet Trax Insurance Costs
Chevrolet Trax auto insurance costs the average 40-year-old driver $1,280 annually for full coverage. Liability-only insurance rates are just $438 per year.
The Safety of Your Chevrolet Trax
The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Chevrolet Trax with all-wheel drive an overall five-star safety rating. Lane departure warning and forward collision warning are two optional safety features available with the 2020 Trax. Choosing optional safety technology could help reduce your insurance rates by helping drivers avoid expensive accidents.
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How Location Affects Your Chevrolet Trax Insurance
Your location has a huge effect on your insurance rates. Getting a personalized quote from an independent insurance agent makes it easy to compare insurance companies so you can make an informed decision.
Chevrolet Trax average annual insurance rates by location
| Rural Areas: | Small Cities: | Large Cities: |
| $960 | $1,344 | $1,728 |
Additional Factors That Affect Your Chevrolet Trax Insurance Premiums
- Safety features like anti-theft devices
- Age
- Gender
- Deductible
- Credit
Average Cost to Insure a Chevrolet Trax
| Average annual cost to insure a Chevrolet Trax with full coverage: | $1,332 |
| Teens: | $4,768 |
| High-risk drivers: | $2,754 |
| High deductibles: | $1,110 |
| Low deductibles: | $1,608 |
| Top three most expensive states for Chevrolet Trax insurance: | |
| New York, Michigan, and Florida | $1,730 |
| Top three most affordable states for Chevrolet Trax insurance: | |
| Utah, Ohio, and New Hampshire | $920 |
Top Independent Insurance Carriers That Insure the Chevrolet Trax
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their car insurance customers:
Get a Chevrolet Trax Quote
Your independent insurance agent has access to multiple auto insurance companies so you'll get excellent quotes and lots of great options for insuring your Chevrolet Trax. Get the coverage you need at a rate you love when you use the TrustedChoice.com website to get in touch with an agent. The find-an-agent tool lets you access a list of insurance specialists in your area in just seconds. Try it out today and enjoy the lowest possible insurance rates with the best coverage; customized for you and your Trax.
IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver