Chevrolet Cruze Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 29, 2024
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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.
Estimated auto insurance rates for a Chevrolet Cruze are $1,322 annually for full coverage insurance. Comprehensive insurance costs an estimated $238, collision costs $474, and liability is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing $2,882 or more. Teen drivers pay the most at $5,094 a year or more.
Average premium for full coverage: $1,322
Premium estimates broken down by type of coverage:
Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Cruze trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Chevrolet Cruze go from as cheap as $504 for just the minimum liability insurance to a much higher rate of $2,882 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than larger metro areas.
The price range example below illustrates how your location can change insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below illustrates estimated Chevrolet Cruze insurance rates for other coverage scenarios.
- The lowest rate with discounts is $760
- Raising to $1,000 deductibles will save approximately $160 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,322
- Choosing more expensive low deductibles costs an additional $316 every year
- At-risk drivers with multiple violations and an at-fault accident could pay up to $2,882 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $5,094
Insurance prices for a Chevrolet Cruze also have a wide range based on the model of your Cruze, your risk profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $480 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Chevrolet Cruze insurance prices. A middle-age driver might find prices as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,790 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$126 | -9.5% |
| Alaska | $1,014 | -$308 | -23.3% |
| Arizona | $1,098 | -$224 | -16.9% |
| Arkansas | $1,322 | -$0 | 0.0% |
| California | $1,506 | $184 | 13.9% |
| Colorado | $1,262 | -$60 | -4.5% |
| Connecticut | $1,362 | $40 | 3.0% |
| Delaware | $1,496 | $174 | 13.2% |
| Florida | $1,654 | $332 | 25.1% |
| Georgia | $1,220 | -$102 | -7.7% |
| Hawaii | $950 | -$372 | -28.1% |
| Idaho | $896 | -$426 | -32.2% |
| Illinois | $986 | -$336 | -25.4% |
| Indiana | $996 | -$326 | -24.7% |
| Iowa | $892 | -$430 | -32.5% |
| Kansas | $1,256 | -$66 | -5.0% |
| Kentucky | $1,804 | $482 | 36.5% |
| Louisiana | $1,958 | $636 | 48.1% |
| Maine | $816 | -$506 | -38.3% |
| Maryland | $1,090 | -$232 | -17.5% |
| Massachusetts | $1,058 | -$264 | -20.0% |
| Michigan | $2,298 | $976 | 73.8% |
| Minnesota | $1,108 | -$214 | -16.2% |
| Mississippi | $1,584 | $262 | 19.8% |
| Missouri | $1,174 | -$148 | -11.2% |
| Montana | $1,420 | $98 | 7.4% |
| Nebraska | $1,044 | -$278 | -21.0% |
| Nevada | $1,586 | $264 | 20.0% |
| New Hampshire | $954 | -$368 | -27.8% |
| New Jersey | $1,478 | $156 | 11.8% |
| New Mexico | $1,172 | -$150 | -11.3% |
| New York | $1,394 | $72 | 5.4% |
| North Carolina | $762 | -$560 | -42.4% |
| North Dakota | $1,084 | -$238 | -18.0% |
| Ohio | $914 | -$408 | -30.9% |
| Oklahoma | $1,356 | $34 | 2.6% |
| Oregon | $1,210 | -$112 | -8.5% |
| Pennsylvania | $1,262 | -$60 | -4.5% |
| Rhode Island | $1,764 | $442 | 33.4% |
| South Carolina | $1,198 | -$124 | -9.4% |
| South Dakota | $1,116 | -$206 | -15.6% |
| Tennessee | $1,158 | -$164 | -12.4% |
| Texas | $1,596 | $274 | 20.7% |
| Utah | $978 | -$344 | -26.0% |
| Vermont | $906 | -$416 | -31.5% |
| Virginia | $792 | -$530 | -40.1% |
| Washington | $1,022 | -$300 | -22.7% |
| West Virginia | $1,210 | -$112 | -8.5% |
| Wisconsin | $916 | -$406 | -30.7% |
| Wyoming | $1,178 | -$144 | -10.9% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Chevrolet Cruze | $238 | $474 | $452 | $1,322 |
| 2019 Chevrolet Cruze | $230 | $446 | $456 | $1,290 |
| 2018 Chevrolet Cruze | $220 | $400 | $460 | $1,238 |
| 2017 Chevrolet Cruze | $206 | $368 | $460 | $1,192 |
| 2016 Chevrolet Cruze | $198 | $346 | $464 | $1,166 |
| 2015 Chevrolet Cruze | $194 | $322 | $474 | $1,148 |
| 2014 Chevrolet Cruze | $180 | $300 | $474 | $1,112 |
| 2013 Chevrolet Cruze | $174 | $272 | $478 | $1,082 |
| 2012 Chevrolet Cruze | $162 | $248 | $474 | $1,042 |
| 2011 Chevrolet Cruze | $152 | $226 | $474 | $1,010 |
Rates are averaged for all Chevrolet Cruze models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Chevrolet Cruze Insurance
Finding better rates on car insurance consists of being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around at least once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The items below are a condensed summary of the primary concepts that were illustrated above.
- It is possible to save approximately $160 per year simply by shopping early and online
- Higher risk drivers with multiple at-fault accidents may pay on average $1,560 more annually to insure their Cruze
- Increasing policy deductibles could save up to $475 each year
- Teen drivers are charged the highest prices, with premiums being up to $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.
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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:
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,094 |
| 20 | $3,080 |
| 30 | $1,370 |
| 40 | $1,322 |
| 50 | $1,210 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,492 |
| $500 | $1,322 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,322 |
| 50/100 | $1,412 |
| 100/300 | $1,525 |
| 250/500 | $1,819 |
| 100 CSL | $1,458 |
| 300 CSL | $1,706 |
| 500 CSL | $1,887 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,256 |
| 20 | $4,912 |
| 30 | $2,934 |
| 40 | $2,882 |
| 50 | $2,754 |
| 60 | $2,732 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $59 |
| Advance Quote | $65 |
| Online Quote | $93 |
| Total Discounts | $562 |
Discounts are estimated and may not be available from every company or in every state.
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