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 auto insurance rates for a Chevrolet Cruze are $1,360 annually for full coverage insurance. Comprehensive insurance costs on average $248, collision insurance costs $512, and liability costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $2,968 or more. Teens receive the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how geographic area affects car insurance rates.

These examples illustrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below illustrates average Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $777
• Drivers who choose higher $1,000 deductibles will pay around $174 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,360
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $336 annually
• Drivers with serious driving violations could pay upwards of $2,968
• The cost with full coverage for a 16-year-old driver for full coverage may cost $5,214 a year

View Chart as Image

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

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,300 in extra premium per year, depending on your age. Chevrolet Cruze insurance for high-risk drivers can cost from 44% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $510 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Chevrolet Cruze insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,840 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy Cheap Chevrolet Cruze Insurance

Saving money on insurance for a Chevrolet Cruze not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief summary of the ideas that were presented in the illustrations above.

• Teenagers are charged the highest rates, costing up to $435 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,610 more each year for car insurance
• Increasing deductibles could save up to $500 each year
• It is possible to save as much as $160 per year just by quoting online well ahead of the renewal date

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.