Chevy Trailblazer Insurance - What Drivers Need to Know

The Chevrolet Trailblazer is a medium sized sports utility vehicle (SUV), first available in the spring of 1999, revamped in 2002, and discontinued in 2009. In the opening decade of the new millennium when gas was still under two bucks a gallon, America’s love affair with SUVs was going strong and the Trailblazer was a popular automotive heartthrob, available in five models, selling over 280,000 new vehicles in 2004.

Priced relatively inexpensively, the Trailblazer was packed with crowd-pleasing features like moon roofs, roomy cabins and state-of-the-art, rear-seat DVD systems. But automobile experts rated the Trailblazer’s suspension unresponsive, and criticized the SUV further for imprecise steering and handling. You can expect a used Chevy Trailblazer to set you back between $5,500 and $25,500 depending upon its year and condition.

But how much will it cost to insure a Chevy Trailblazer?

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Chevy Trailblazer Insurance Considerations

Securing the best auto insurance coverage at the lowest price requires some research. First, you will need to determine what auto insurance is actually required by the state in which you live; next, you will need to decide how much additional insurance you want to carry. This amount will be partly determined by your own profile as a driver, and partly determined by the amount of risk driving a Chevy Trailblazer exposes you to.

• The 2002 Chevy Trailblazer was recalled in April 2004 for safety issues pertaining to seatbelt retractors that did not operate as intended during rapid deceleration, increasing the risk of injury to Chevy Trailblazer occupants in the event of a crash.

• Like many early model SUVs, the Chevy Trailblazer is prone to rollover accidents: With a higher center of gravity relative to passenger cars, at highway speeds when an abrupt stop is necessary the Chevy Trailblazer’s rear end may fishtail and swerve, making emergency stops problematic for inexperienced drivers.

• The Insurance Institute for Highway Safety (IIHS) ranks the Chevy Trailblazer’s crashworthiness as merely “marginal” compared with other mid-sized SUVs, on the basis of frontal offset and side impact tests. The Chevy Trailblazer’s rear crash protection is rated “poor.” “Crashworthiness” is a measure of how well the motor vehicle protects its occupants in the event of a crash.

• According to the IIHS, the Chevy Trailblazer does slightly better than average in injury, collision, or theft loss for all vehicles.

• The Chevy Trailblazer is packed with safety elements such as advanced airbag features, 4-wheel ABS and electronic stability controls.

Below is an examination of the Chevy Trailblazer and basic insurance coverage types.

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Property Damage Liability

Property damage liability insurance covers you in the event of accidental injury or property damage to third parties. “Injury” can include the third party’s opportunity costs such as medical expenses and lost wages.

Liability coverage for a Chevy Trailblazer should reflect the fact that these vehicles are far more likely to be involved in rollover crashes than other types of SUVs. If your insurance coverage is deemed insufficient by the other side, remember it is your deep pockets they will b going after. Insure yourself here in an amount sufficient to protect your own assets.

The bottom line is, if you own a Chevy Trailblazer, you need to carry a lot of liability insurance.


Collision insurance reimburses you for any damage to your vehicle, up to the fair market price of your vehicle, in a motor vehicle accident where you are deemed to be at fault. It is not part of the basic auto insurance package required by the state.

Chevy Trailblazers, particularly the early models, are more accident prone than other SUVs. One source goes so far as to claim that Chevy Trailblazer are one of the three motor vehicles most commonly cited in automobile crashes. Chevy replacement parts are easy to find and not particularly costly which means auto repairs should not be unusually expensive.

Buy collision insurance with a high deductible. You may end up covering some repairs out of pocket,


Comprehensive insurance reimburses you for damage to your vehicle in the event of vandalism, theft, flood, fire and other unusual circumstances.

Whether or not comprehensive insurance is a good investment for you as a Chevy Trailblazer owner largely depends upon where you live. The Chevy Trailblazer is not on the National Insurance Crime Bureau’s list of most stolen cars; nevertheless, if you live in an urban neighborhood in a state like California or Washington where auto theft rates are unusually high and you can’t afford the replacement cost of your Chevy Trailblazer on your own, you may want to consider it.

If you live in a marginal neighborhood, comprehensive insurance may be a good investment.

Personal Injury Protection, Medical Payment, Bodily Injury

Personal injury insurance covers your medical bills and other opportunity costs in the event of an accident already addressed by other parts of your policy.

Given the fact that the Chevy Trailblazer was recalled once for a safety feature malfunction, and that despite an abundance of safety features, the IIHS ranked its crashworthiness as marginal, it’s a good idea to carry this optional insurance.

Personal injury protection is a good investment for the owner of a Chevy Trailblazer.