Is a Chevy Trailblazer expensive to insure?

In most cases, insuring a Chevy Trailblazer is not among the most expensive options in its class; premiums tend to sit in the mid-range for small SUVs, but exact costs depend on engine, trim, location, and your driving profile.

Factors that influence Trailblazer insurance costs

Insurance premiums for the Trailblazer depend on several factors. The following are the main considerations insurers weigh when quoting a policy for this vehicle.

• Driver profile: age, driving history (accidents, violations), and location (state/city) significantly shape rates.


• Vehicle specifics: model year, trim level, and engine option (for example, turbocharged variants can affect cost).


• Coverage and deductibles: liability limits, whether you include collision and comprehensive, and the deductible amount chosen.


• Safety and security features: automatic emergency braking, lane-keeping assist, blind-spot monitoring, rear cross-traffic alerts, and anti-theft devices can help lower premiums.


• Repair costs and parts availability: higher repair costs or limited parts supply can push premiums higher.


• Mileage and vehicle usage: higher annual mileage or frequent use for work can raise risk and price.


• Credit-based scoring where permitted: in states that allow it, credit history can influence premiums.

These factors together determine the variance in quotes from insurer to insurer for the Trailblazer, even among drivers with the same vehicle.

Cost expectations: typical ranges for the Trailblazer

Because multiple variables are involved, a one-size-fits-all number doesn’t exist. However, for an average adult driver with a clean record in a typical state, full-coverage premiums for a Chevrolet Trailblazer usually fall into the mid-range for small SUVs. Estimates commonly place annual premiums roughly between $1,200 and $1,700. In higher-cost states or for younger drivers, premiums can exceed $2,000 per year, and for young drivers or high-risk locations, it isn’t unusual to see closer to $3,000. Engine choice can influence cost modestly: turbocharged options may cost a bit more to insure than base engines due to higher performance risk.

Ways to save on Trailblazer insurance

Reducing the premium typically comes down to shopping around and making smart policy choices. The following strategies help lower costs without sacrificing essential coverage.

• Shop around and compare quotes from multiple insurers to find the best rate for your profile.


• Consider raising your deductible; higher deductibles reduce annual premiums if you can cover the out-of-pocket cost in a claim.


• Bundle auto with home or renters policies to unlock multi-policy discounts.


• Improve safety and security: ensure the vehicle’s safety features are activated and consider approved anti-theft devices if allowed by the insurer.


• Maintain a clean driving record and take accredited defensive driving courses; some insurers offer discounts for this.


• Keep annual mileage reasonable and consider telematics or usage-based insurance programs for potential savings.


• Maintain good credit where allowed by law, as some insurers use credit-based metrics in pricing.

These steps can meaningfully reduce the premium for a Trailblazer without compromising essential coverage.

Bottom line

For most buyers, insuring a Chevy Trailblazer is not inherently expensive compared with other compact SUVs or larger trucks. The key is to shop around, understand how personal factors affect rates, and leverage discounts and safety features to keep costs reasonable.

Summary

The Chevy Trailblazer generally sits in the mid-range for insurance costs among small SUVs. Premiums vary by engine, trim, driver profile, location, and coverage choices. By shopping around, choosing sensible deductibles, and taking advantage of safety features and discounts, owners can manage annual premiums effectively.

What are the downsides of the Trailblazer?

But the issues remained—engine, transmission and electrical problems were common, and combined with braking issues, poor fuel level sensors, rear light issues and climate control problems, the Trailblazer saw one of its worst model years.

Are Chevys expensive to insure?

The average annual cost for full coverage Chevrolet car insurance is $1,676, while state minimum coverage averages at $542 annually. Monthly, you would pay about $140 for full coverage and roughly $45 for state minimum coverage.

Are Trailblazers expensive to insure?

The TrailBlazer costs less to insure than most SUVs. Averaging $154/mo for the TrailBlazer versus $184/mo for typical SUVs.

Which SUV is most expensive to insure?

The most expensive SUVs to insure are typically the Tesla Model X and the 2025 Toyota Sequoia, though rates vary based on individual factors. The Tesla Model X is expensive due to high repair costs for its electric components, while the Toyota Sequoia is costly because of its powerful hybrid engine and luxury features. Other high-cost SUVs include the Ford Expedition Max and the BMW X6.
 
Factors contributing to high insurance costs

• Repair costs: Luxury vehicles and electric vehicles (EVs) often have high repair costs due to specialized parts and technology, making them more expensive to insure. 
• Model price: The vehicle's initial price and overall value influence insurance premiums. More expensive vehicles generally cost more to replace after a total loss. 
• High-powered engines: Some high-performance or hybrid models, like the Toyota Sequoia, are more expensive to insure because of the powerful engines. 
• Model year and trim: Insurance rates can vary significantly between different model years and trim levels, with newer and more expensive trims costing more. 

Specific expensive-to-insure SUVs

• Tesla Model X: Has one of the highest average annual premiums, with costs partly attributed to the high price of parts and repair complexity. 
• 2025 Toyota Sequoia: Listed as the most expensive SUV to insure by some sources, with costs influenced by its hybrid engine and luxury features. 
• Ford Expedition Max: Another high-cost option, particularly due to its size and luxury features, which adds to repair costs. 
• BMW X6: The average annual premium for this model is high, with one report noting that it can be about 5.31% of the MSRP. 

Why rates vary for individuals

• Location: Where you live plays a major role in your insurance rates. 
• Driving history: A clean driving record will result in lower rates. 
• Credit rating: Your credit score can also impact the price you pay. 
• Homeownership: Being a homeowner can sometimes lead to lower insurance premiums. 
• Age: The age of the driver is a significant factor in setting premiums.