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 including full coverage. Comprehensive insurance costs approximately $248 a year, collision costs $512, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $2,968 or more. Teen 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:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples highlight why it is important to compare rates quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

More Rate Information

The chart below breaks down estimated Chevrolet Cruze insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $777
• Raising to $1,000 deductibles will save $1,186 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,360
• Choosing low $100 deductibles will cost an extra $336 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,968 or more
• The cost for full coverage for a 16-year-old driver can cost $5,214

View Chart as Image

Auto insurance rates for a Chevrolet Cruze can also vary considerably based on your driver profile, the model of your Cruze, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live also has a big influence on Chevrolet Cruze insurance prices. A middle-age driver might find rates as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $510 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

How to Find Cheap Chevrolet Cruze Insurance

Saving money on insurance for a Chevrolet Cruze consists of being safe and accident-free, having good credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

Below you'll find a brief summary of the data covered above.

• Insureds who purchase more liability protection will pay about $490 per year to raise from a minimum limit to 250/500 limits
• You may be able to save around $160 per year simply by quoting early and online
• Increasing deductibles can save around $500 each year
• Youthful drivers have the highest car insurance rates, as much as $435 per month if they have 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.