Car Insurance Quotes for a Chevrolet Trax

Chevrolet Trax owners say its redesigned interior and improved rear legroom versus prior years are two reasons they love to drive this compact SUV. The average annual premium for a Trax auto policy is $1,558 for full and $960 for a liability-only policy. Nationally, drivers pay $2,014 for full and $622 for minimum.

All Chevrolet Trax drivers must carry auto insurance to satisfy legal requirements for driving wherever they are in the United States.

Freeway Insurance is ready to step up to the plate if you want to explore new and affordable policy options. Let one of our friendly agents provide you with a free, no-obligation consultation with a new policy out the door in as little as 10 minutes.

There are many auto policy options for Chevrolet Trax drivers. Two to consider are liability-only and full coverage.

Both fulfill all state-required legal minimums for drivers, but full coverage offers a mix of third-party and first-party benefits that protect you, your vehicle, your passengers, and third parties.

Full Coverage

Full coverage combines liability, collision, and comprehensive for enhanced protection when driving on the road.

Choosing full coverage over state minimum liability is preferred, thanks to improved protection and inclusion of first-party benefits paying for the cost of damages and injury sustained by you, your passengers, or your vehicle. Full coverage includes collision coverage and comprehensive coverage.

Note, this type of policy is not inclusive of add-ons like personal injury protection (PIP), medical payments (MedPay), uninsured/underinsured motorist or rental car reimbursement.

State Minimum Liability

A liability-only policy only provides third-party benefits, helping to cover the cost of damages and injury sustained by other drivers and their passengers involved in an accident you cause.

It comprises two types of coverage: bodily injury and property damage, with every state’s limit expressed in three numbers, e.g., 15/30/5. For example, Pennsylvania drivers must carry $15,000 in bodily injury per person, $30,000 in bodily injury per accident, and $5,000 in property damage.

Remember that $5,000 in property damage liability barely covers the cost of a new fender or side mirror on modern cars, so drivers should consider higher liability limits if they can afford them.

Every state has its minimum coverage limits. Although it satisfies legal requirements, it may not be enough to cover all expenses in an at-fault accident.

There are many factors auto insurance companies use to determine the cost of your premiums.

Vehicle Type and Model

Luxury and sport vehicles typically command higher premiums, thanks to the higher repair and replacement costs.

Location and ZIP code

Where you park your vehicle plays a significant role in determining auto insurance premiums. Regions with a higher theft, vandalism, and claims rate can expect to pay higher average premiums, so residents of densely populated areas like New York City and Chicago almost always pay higher premiums than residents of sparsely populated places like Anchorage, AK, and Lafayette, IN.

Usage

How often you drive also influences insurance rates. Frequent use, longer than average commute times, and driving more than 15,000 miles per year all increase your premiums.

After a DUI, your premiums will skyrocket, doubling or even tripling. You will also be reclassified as a high-risk driver, where your provider reserves the right not to renew your policy thanks to your changed status.

From there, you will be required to enroll with a high-risk insurance provider, who can file an SR-22 on your behalf, a proof of financial responsibility that lets the state know you’re carrying the minimum required liability limits.

Be sure to fully understand all the consequences of a DUI conviction and think twice before getting behind the wheel after drinking. Your future monthly budget will depend on it.

This is a vehicle in the subcompact SUV segment. It comes in five trims: LS, 1RS, LT, 2RS and ACTIV.

Standard features on the LS include Apple CarPlay/Android Auto compatibility, Wi-Fi hotspot, Bluetooth, two USB ports, and a 4-speaker stereo. Upgrading to higher-level trims adds heated front seats, an 11-inch touchscreen, a six-speaker stereo, proximity keyless entry, sunroof, and remote start.

Main competitors are the Kia Seltos, Mazda CX 30, Hyundai Kona, and the Volkswagen Taos.