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. 

Average insurance rates for a Chevrolet Cruze are $1,360 a year for full coverage. Comprehensive insurance costs on average $248, collision costs $512, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $2,968 or more. Teenage drivers receive the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,360

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

These examples show why anyone shopping for car insurance should compare prices based on a specific location, instead of using average rates.

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

Additional Rate Information

The chart below shows estimated Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The best discount rate is $777
• Using higher $1,000 deductibles will save around $174 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,360
• Using more expensive low deductibles for physical damage coverage will cost an additional $336 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,968 or more
• The cost that insures a teen driver with full coverage may cost $5,214 or more

View Chart as Image

Auto insurance rates for a Chevrolet Cruze can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $5,200 a year. View Rates by Age

Where you live has a huge impact on Chevrolet Cruze insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,940 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $510 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

How to Find Low Cost Chevrolet Cruze Insurance

Saving money on car insurance requires having a decent driving record, maintaining a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Compare prices at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a review of the primary concepts that were covered in the charts and tables above.

• Drivers can save as much as $160 per year simply by shopping early and online
• Higher risk drivers who have several accidents or serious violations may pay on average $1,610 more each year than a driver with a clean driving record
• Increasing deductibles can save approximately $500 each year
• 16 to 18-year-old drivers are charged the highest rates, costing as high as $435 per month if the policy includes full coverage

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.