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. 

U.S. average insurance rates for a Chevrolet Cruze are $1,360 a year including full coverage. Comprehensive costs around $248 a year, collision costs $512, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $2,968. 16-year-old drivers pay the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,360

Price estimates for individual coverage:

These estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Cruze trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The ranges above highlight why it is important to compare rates quotes 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.

Additional Rate Analysis

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

• The best full coverage rate is $777
• Raising to $1,000 deductibles will save about $1,186 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,360
• Buying low $100 deductibles will increase the cost to $1,696
• Drivers with multiple tickets or accidents could pay at least $2,968 or more
• The price for full coverage for a 16-year-old driver can be $5,214

View Chart as Image

Auto insurance prices for a Chevrolet Cruze are also quite variable based on your driving record, the model of your Cruze, and deductibles and policy 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. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $510 annually, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,600 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 131% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.

How to Find Cheap Chevrolet Cruze Insurance

Getting lower rates on insurance for a Chevrolet Cruze consists of not taking risks behind the wheel, having good credit, being claim-free, and maximizing policy discounts. Make time to compare rates at least every other year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief summary of the car insurance concepts touched on in this article.

• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,610 more every year for Cruze insurance
• You may be able to save up to $160 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $500 each year
• Insureds who may need higher liability limits will pay around $490 per year to raise from a low limit to 250/500 limits

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.