How much is insurance on a Chevrolet Trax?

A 2024 Chevrolet Trax runs about $1,900 a year for a typical 45-year-old, about the same as an average car of the same age: more injury claims and lower non-crash losses and lower crash-repair losses about even out. Putting a new 16-year-old on a family policy with the Trax adds about $1,250 a year (#18 of 26 small SUVs we compare).

2024 Chevrolet Trax (Trax), national average

about $1,900 a year (about $160 a month)

Estimated range: $1,400–$2,550. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Trax drops to about $1,500 (see the table below).

A Chevrolet Trax from the 2024–present generation. Photo: Ethan Llamas, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Trax, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Trax's rank is the same in every state.

Why the Chevrolet Trax costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Chevrolet Trax 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 73 for crash repairs, 66 for non-crash damage, 98 for damage to others' property, and 126 for injury claims.

Crash repairs (collision)fixing this car after a crashBetter than average27% better than average6th best of the 26 small SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average34% better than average4th best of the 26 small SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage2% better than average17th best of the 26 small SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costWorse than averagefiled 26% more often than average22nd best of the 24 small SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Trax comes out about 29% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 12% less than average: about $840 a year vs $950. On the liability side, damage to others and injury claims combine to about 14% worse than average. We count about half, so that part is about 7% more: $1,060 a year vs $990.

How the math works

In EPA size classes, the Trax is a small car (gas-powered). In Highway Loss Data Institute loss tables, the Chevrolet Trax is benchmarked against small SUVs.

Matched to HLDI series “Chevrolet Trax 4dr” (HLDI, 2022–24 models).

A used Chevrolet Trax, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Trax (0–3 years old)	about $1,900	about $1,060	+$1,250	about $5,460
2022 Trax AWD (4–7 years old)	about $1,800	about $1,060	+$1,190	about $5,170
2018 Trax (8–12 years old)	about $1,910	about $1,240	+$1,260	about $5,480
2013 Trax (13 or more years old)	about $1,500	about $960	+$990	about $4,300

Our catalog covers the Chevrolet Trax across model years 2013–2027. Full coverage on a used 2013 Trax (13 or more years old) runs about $1,500 a year, $400 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $960 a year. Each photo shows that year's generation of the car. Photo credits.

For the 2024 Chevrolet Trax, our catalog lists the Trax configuration at about $1,900 a year.

On a policy of their own with a 2024 Chevrolet Trax, a 22–25-year-old pays about $2,470 a year ($570 more than a 45-year-old), a 26–39-year-old about $2,110, and a driver 65 and older about $2,000.

Adding a 16-year-old with a Chevrolet Trax

Adding a new 16-year-old who drives the Chevrolet Trax raises the family bill by about $1,250 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,460 a year, so keeping them on the family policy saves about $4,200 a year.

For adding a teen driver, the Chevrolet Trax ranks 59th cheapest out of all 121 models we track. Stepping down to a used 2013 Trax (13 or more years old) brings the teen add-on to about $990 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Chevrolet Trax is the 9th most expensive to insure. Right next to it are the Toyota Corolla Cross (about $1,900 a year) and the Kia Seltos (about $1,910).

Photos from Wikimedia Commons contributors. Photo credits.

What a Chevrolet Trax costs in your state

In six sample states, a 2024 Chevrolet Trax runs from about $1,320 a year in Hawaii through Kansas, Illinois, Oklahoma and Nevada to about $2,280 in Texas:

Hawaiiabout $1,320/yr · +$870 teen
Kansasabout $1,560/yr · +$1,030 teen
Illinoisabout $1,660/yr · +$1,100 teen
Oklahomaabout $1,750/yr · +$1,150 teen
Nevadaabout $2,110/yr · +$1,390 teen
Texasabout $2,280/yr · +$1,510 teen

All 50 states and DC · Updated November 5, 2026.

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