The Chevrolet Trax is a compact SUV known for its affordable price tag. The newest model features an 11-inch HD touchscreen display and ample cargo space. No matter what type of Trax you drive, it needs to be protected with the right car insurance.
When it's time to get the best Chevrolet Trax insurance, an independent insurance agent can help you find coverage. These agents know which local carriers sell quality Chevrolet insurance. But first, here's a closer look at how much it costs to insure a Chevy Trax by model year and top-rated insurance company in 2026.
Key Takeaways - Chevrolet Trax Car Insurance
Chevrolet Trax insurance costs an average of $1,788 per year, or approximately $149 per month, for full coverage in 2026.
Chevy Trax insurance rates vary widely by state, with good drivers in Michigan paying an average of $3,862 per year for full coverage, while those in Hawaii pay only $901.
USAA, American Family, and Progressive are the cheapest carriers for model-year 2025 Chevy Trax insurance this year.
Young drivers pay the most, on average, for Trax insurance, while adults age 25 and over pay the least until they reach age 65.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Chevrolet Trax model.
What Is Chevrolet Trax Insurance?
Chevy Trax insurance is essentially a standard car insurance policy tailored to meet the needs of your unique vehicle. The Trax requires the same types of coverage as any other compact SUV. As such, its average car insurance premiums are comparable to those of many other SUVs in its class.
Recommended coverage options for Chevrolet Trax drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Chevrolet Trax:
- Chevrolet warranty insurance: This can extend Chevrolet's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Chevy parts during the repair process.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed Chevy vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
At least minimum auto insurance coverage is likely required by law in your state. A local independent insurance agent can help you get set up with all the protection you need for your Trax.
How Much Does Chevrolet Trax Insurance Cost?
The average cost of full coverage car insurance for a Chevy Trax in 2026 is $1,788 per year, or approximately $149 per month. However, several factors can affect Chevy insurance costs, including:
- The specific type of Trax you drive
- Your claims history
- Your location
- The types and amount of coverage you need
- Your driving history
- Your credit score (where allowed)
An independent insurance agent can help you find cheap Chevrolet Trax insurance in your area.
Is the Chevrolet Trax Expensive to Insure?
No, the Chevy Trax isn't expensive to insure when compared to other vehicles and even other Chevrolets. The table below compares the average monthly premium for the Trax and other Chevy and vehicle models.
| Vehicle | Average Monthly Cost of Full Coverage |
| Chevrolet Trax | $149 |
| Chevy Vehicles | $170 |
| All Vehicles | $175 |
Chevrolet Trax Insurance Costs by Model Year
Next, we'll break down several model years of the Chevrolet Trax and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Chevrolet Trax | $1,904 |
| 2025 Chevrolet Trax | $3,871 |
| 2024 Chevrolet Trax | $797 |
| 2022 Chevrolet Trax | $592 |
| 2021 Chevrolet Trax | $798 |
| 2020 Chevrolet Trax | $490 |
| 2019 Chevrolet Trax | $592 |
| 2018 Chevrolet Trax | $598 |
| 2017 Chevrolet Trax | $694 |
| 2016 Chevrolet Trax | $510 |
| 2015 Chevrolet Trax | $482 |
| 2014 Chevrolet Trax | $2,095 |
| 2013 Chevrolet Trax | $1,052 |
Cheapest Chevrolet Trax Car Insurance Companies for 2026
You can find affordable Chevy Trax insurance from many different carriers. These top-rated car insurance companies provide the cheapest model-year 2025 Chevrolet Trax insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,455 |
| American Family | $1,560 |
| Progressive | $1,565 |
| Erie | $1,958 |
| Nationwide | $2,182 |
| Allstate | $3,088 |
Chevrolet Trax Car Insurance Rates by State and Driver Profile
Several factors can influence the cost of car insurance, including your location, driving history, and even your credit. Here are some average Chevy Trax car insurance rates by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,054 | $2,984 | $3,806 |
| Alaska | $1,715 | $2,353 | $2,231 |
| Arizona | $1,917 | $2,777 | $4,044 |
| Arkansas | $2,078 | $3,246 | $3,581 |
| California | $2,349 | $4,156 | $2,303 |
| Colorado | $2,225 | $3,043 | $3,901 |
| Connecticut | $2,825 | $4,360 | $5,466 |
| Delaware | $2,274 | $3,105 | $3,915 |
| Florida | $2,800 | $3,822 | $5,004 |
| Georgia | $2,214 | $3,375 | $3,344 |
| Hawaii | $901 | $1,231 | $897 |
| Idaho | $1,549 | $2,012 | $2,450 |
| Illinois | $1,577 | $2,450 | $2,789 |
| Indiana | $1,712 | $2,603 | $2,864 |
| Iowa | $1,287 | $1,849 | $2,124 |
| Kansas | $1,758 | $2,576 | $2,964 |
| Kentucky | $2,568 | $3,730 | $4,369 |
| Louisiana | $3,259 | $4,910 | $5,351 |
| Maine | $1,183 | $1,737 | $2,557 |
| Maryland | $1,981 | $2,956 | $3,277 |
| Massachusetts | $1,560 | $2,807 | $1,636 |
| Michigan | $3,862 | $5,952 | $9,344 |
| Minnesota | $1,556 | $2,128 | $2,977 |
| Mississippi | $1,912 | $2,747 | $2,779 |
| Missouri | $1,857 | $2,578 | $3,378 |
| Montana | $1,825 | $2,523 | $2,958 |
| Nebraska | $1,504 | $2,342 | $2,502 |
| Nevada | $2,549 | $3,790 | $4,070 |
| New Hampshire | $1,737 | $2,836 | $3,606 |
| New Jersey | $1,984 | $3,110 | $4,031 |
| New Mexico | $2,033 | $3,046 | $3,071 |
| New York | $1,839 | $2,348 | $3,932 |
| North Carolina | $1,151 | $1,945 | $1,427 |
| North Dakota | $1,610 | $2,414 | $2,796 |
| Ohio | $1,391 | $2,163 | $2,230 |
| Oklahoma | $2,292 | $3,168 | $3,608 |
| Oregon | $2,102 | $2,693 | $3,262 |
| Pennsylvania | $1,678 | $2,572 | $2,978 |
| Rhode Island | $2,832 | $4,225 | $4,772 |
| South Carolina | $1,975 | $2,743 | $3,774 |
| South Dakota | $1,714 | $2,582 | $2,895 |
| Tennessee | $2,066 | $3,036 | $4,002 |
| Texas | $2,027 | $2,999 | $3,678 |
| Utah | $1,736 | $2,517 | $3,456 |
| Vermont | $1,308 | $2,089 | $2,269 |
| Virginia | $1,317 | $2,022 | $1,951 |
| Washington | $1,643 | $2,342 | $2,729 |
| West Virginia | $1,750 | $2,421 | $3,066 |
| Wisconsin | $1,732 | $2,613 | $3,060 |
| Wyoming | $1,642 | $2,173 | $2,363 |
Average Chevrolet Trax Insurance Rates by Driver Age and Profile
Your age is also a major factor in calculating your Chevy Trax auto insurance premiums. At about age 25, car insurance rates tend to drop dramatically until the driver reaches about age 65, then gradually climb again. Here are some average Chevrolet Trax insurance rates by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,131 | $8,957 | $10,509 |
| 20 | $4,683 | $6,929 | $8,101 |
| 25 | $2,699 | $4,092 | $4,696 |
| 30 | $2,195 | $3,192 | $3,713 |
| 35 | $1,960 | $2,972 | $3,472 |
| 40 | $1,888 | $2,886 | $3,283 |
| 45 | $1,915 | $2,723 | $3,233 |
| 55 | $1,756 | $2,558 | $2,981 |
| 65 | $1,827 | $2,587 | $3,087 |
| 75 | $2,284 | $3,356 | $3,897 |
Best Chevrolet Trax Insurance Discounts: How to Lower Your Chevy Trax Insurance Premiums
The following easy steps can help you potentially reduce your Chevy Trax insurance premiums quite a bit.
- Compare quotes from multiple carriers: Comparing Chevrolet Trax insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Chevy Trax insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Chevrolet may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Chevy Trax insurance from a trusted carrier near you.
A local independent insurance agent knows which carriers in your area offer the cheapest, dependable Chevy Trax insurance. Your agent can also help you save the most money possible on your coverage by recommending steps like these and more.
An Independent Insurance Agent Can Help You Get the Best Chevrolet Trax Insurance Quotes
When it's time to find the most affordable Chevrolet Trax insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Chevy Trax insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Chevrolet Trax Insurance
How much does Chevrolet Trax insurance cost per year?
The average annual cost of full coverage for a Chevy Trax is $1,788 per year, or approximately $149 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Chevrolet Trax insurance premiums?
Living in an area with high theft rates, filing multiple claims, having a poor driving record, or having poor credit can all increase Chevy Trax insurance rates.
Is the Chevrolet Trax expensive to insure?
No, the Chevy Trax is not expensive to insure compared to other Chevy vehicles and other cars in general.
What are the best and cheapest carriers for Chevy Trax insurance in 2026?
We found that USAA, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2025 Chevrolet Trax insurance this year.
How can I get cheaper Chevrolet Trax insurance?
It's easy to find cheaper Chevy Trax insurance when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Does vehicle age affect premiums?
Yes, your vehicle's age can greatly influence your coverage premiums. We found that the 2025 Chevy Trax was the most expensive model-year to insure of those we compared.
Other Chevrolet Models
Sources
https://www.thezebra.com/auto-insurance/vehicles/chevrolet/trax/
https://www.insuranceopedia.com/auto-insurance/chevrolet-trax-car-insurance