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 $1,322 a year for full coverage insurance. Comprehensive costs around $238 each year, collision costs $474, and liability insurance costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,882. Teens receive the highest rates at $5,094 a year or more.

Average premium for full coverage: $1,322

Rate estimates for individual coverage type:

Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $760
• Drivers who choose higher $1,000 deductibles will pay about $160 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,322
• Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,638
• High risk drivers with serious driving violations could pay at least $2,882 or more
• The cost for full coverage for a teen driver can be $5,094 a year

View Chart as Image

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

More mature drivers with a good driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age

Where you live makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,790 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $480 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly different from one company to the next.

How to Find Cheaper Chevrolet Cruze Insurance

Saving money on Chevrolet Cruze insurance not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every other policy renewal by getting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The next list is a condensed summary of the ideas that were covered in the charts and tables above.

• Drivers age 20 and younger are expensive to insure, costing up to $425 per month if they have full coverage
• High-risk drivers with multiple at-fault accidents may pay on average $1,560 more every year to buy Chevrolet Cruze insurance
• Increasing deductibles can save around $475 each year
• It is possible to save up to $160 per year simply by quoting online in advance

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.