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

Average premium for full coverage: $1,322

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities.

The example below illustrates how rural and urban location affects insurance prices.

These examples highlight why everyone should compare prices for a targeted area and their own personal driving habits, instead of using rate averages.

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

Rate Comparisons

The chart below breaks down estimated Chevrolet Cruze insurance rates for other coverage scenarios.

• The best full coverage rate is $760
• Using higher $1,000 deductibles will save approximately $160 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,322
• Buying pricier low deductibles for physical damage coverage costs an additional $316 every year
• Drivers with multiple tickets or accidents could pay up to $2,882 or more
• The cost with full coverage for a teen driver for full coverage can cost as much as $5,094 or more

View Chart as Image

Insurance rates for a Chevrolet Cruze can also vary considerably based on the trim level of your Cruze, your driving characteristics, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,200 extra per year, depending on your age. Chevrolet Cruze insurance for high-risk drivers can be as much as 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $480 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Chevrolet Cruze insurance prices. A driver around age 40 might see rates as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates can be significantly different between companies.

How to Buy the Cheapest Chevrolet Cruze Insurance

Saving money on car insurance requires being safe and accident-free, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a recap of the data raised in the charts and tables above.

• Policyholders who want more liability protection will pay around $500 per year to increase from a minimum limit to higher 250/500 limits
• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $475 each year
• Youthful drivers are charged the highest rates, as much as $425 per month including comprehensive and collision insurance

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.