Chevrolet Cruze Insurance Rates

How much is insurance on a Chevy Cruze? The average Chevrolet Cruze insurance rates are $119 per month or $1,432 annually. Many factors impact your Chevrolet Cruze rates, like the age of your model. For example, the 2011 Chevy Cruze insurance costs will be lower than the 2016 Chevy Cruze insurance costs. 

Read through our comprehensive Chevy Cruze insurance rates guide to better understand policy basics like what is collision insurance, and what does it cover that liability does not.

When you’re ready, shop for cheap Chevy Cruze rates by entering your ZIP code into our FREE quote comparison tool. 

Estimated insurance rates for a Chevrolet Cruze are $1,322 a year with full coverage. Comprehensive costs around $238, collision costs $474, and liability costs around $452. A policy with only liability insurance costs as low as $504 a year, with a high-risk policy costing around $2,882. 16-year-old drivers pay the most at $5,094 a year or more.

Average premium for full coverage: $1,322

Premium estimates for type of coverage:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Cruze models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.

The example below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details estimated Chevrolet Cruze insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $760
• Using higher $1,000 deductibles will save about $160 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,322
• Buying pricier low deductibles for physical damage coverage will increase the cost to $1,638
• High-risk insureds with multiple tickets or accidents could pay at least $2,882 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can be $5,094 or more

View Chart as Image

Car insurance prices for a Chevrolet Cruze also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Chevrolet Cruze insurance prices. A driver around age 40 might see prices as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,790 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $480 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,600 to $2,200 extra annually, depending on your age. Chevrolet Cruze insurance for high-risk drivers can be from 43% to 135% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.

How to Find the Cheapest Chevrolet Cruze Insurance

Finding better rates on insurance for a Chevrolet Cruze requires being safe and accident-free, having above-average credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a recap of the concepts that were touched on above.

• Drivers considered higher risk that have major violations or accidents pay an average of $1,560 more every year than a low-risk driver
• Youthful drivers are the costliest to insure, possibly costing $425 per month if full coverage is included
• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $475 each year
• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date

As you’ve learned from the above information and from our Chevy Cruze comparison charts, many factors impact your Chevy Cruze insurance rates. The level of coverage you purchase will drastically change your Chevy Cruze cost per month. 

For example, let’s look at how much a 2012 Chevy Cruze costs to insure. If you purchase only liability insurance for a 2012 Chevy Cruze, you’ll pay much less than what full coverage 2012 Chevy Cruze insurance costs will be. The more protection you invest in, the higher your rates.

Raising your deductibles can help lower your rates for full coverage insurance for a 2014 Chevy Cruze or any other model age. Comparison shopping will also lead you to the cheapest rates. 

Find out how much a Chevy Cruze will cost you to insure by entering your ZIP code into our FREE quote tool below.

What are the safety ratings for the Chevrolet Cruze?

Understanding the Chevrolet Cruze safety ratings and features is a great way to discover car insurance discounts you might qualify for. Sometimes, it can even uncover if your vehicle is causing your rates to increase. 

Check out the 2019 Chevrolet Cruze safety ratings below.

• Moderate overlap front: Good
• Side: Good

A rating of ‘Good’ is the highest possible standard given by the Insurance Institute for Highway Safety. Fortunately, these great ratings will not cause your Chevy Cruze insurance costs to increase. 

However, some model years may have slightly different safety results. Therefore, we recommend looking up your specific model for the most accuracy. 

Chevrolet Cruze Compared Against other Vehicles in the Same Class

Comparing the Chevrolet Cruze to similar vehicles can help you save money, especially if it has better insurance loss ratios than other vehicles in its class.

Officially the Insurance Institute for Highway Safety classifies the Chevrolet Cruze as a small four-door car. See other comparable small sedans in the list below:

• Nissan Sentra
• Subaru WRX
• Volkswagen Golf

Unfortunately, the Chevy Cruze has substantially worse than average personal injury, medical payment, and bodily injury insurance loss ratios at 46 percent, 64 percent, and 53 percent respectively. Those numbers could lead to higher than average insurance rates. 

You are now an expert on securing lower Chevy Cruze costs for insurance. Start shopping for the best Chevrolet Cruze insurance rates by entering your ZIP code into our FREE quote comparison tool.