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. 

Estimated auto insurance rates for a Chevrolet Cruze are $1,360 annually including full coverage. Comprehensive costs around $248, collision insurance costs $512, and liability coverage is estimated at $442. A policy with only liability insurance costs approximately $496 a year, and a high-risk policy costs around $2,968. 16-year-old drivers pay the most at up to $5,214 a year.

Average premium for full coverage: $1,360

Premium estimates for type of coverage:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Cruze trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how location impacts auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $777
• Choosing higher $1,000 deductibles can save about $174 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,360
• Buying more expensive low deductibles for comp and collision coverage will cost $1,696
• Drivers with multiple tickets or accidents could pay at least $2,968
• An auto insurance policy with full coverage for a teenage driver with full coverage can be $5,214 each year

View Chart as Image

Car insurance prices for a Chevrolet Cruze also have a wide range based on the model of your Cruze, your driving characteristics, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges around 44% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $510 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Chevrolet Cruze insurance rates. A good driver about age 40 could pay 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

How to Buy Low Cost Chevrolet Cruze Insurance

Finding better rates on auto insurance takes being a good driver, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Spend time shopping around at least once a year by requesting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a review of the primary concepts that were touched on above.

• You may be able to save up to $160 per year just by shopping early and online
• Drivers who have several accidents or serious violations may pay on average $1,610 more every year than a safer driver
• Increasing policy deductibles could save up to $500 each year
• Drivers age 16 to 20 are the costliest to insure, with the cost nearing $435 per month if comprehensive and collision insurance is included

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.