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 with full coverage. Comprehensive costs on average $248, collision insurance costs $512, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, and coverage for high-risk drivers costs around $2,968. Teens pay the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Price estimates by individual coverage:

Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Cruze models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $777
• Choosing higher $1,000 deductibles can save around $174 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,360
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,696
• Higher-risk drivers with serious driving violations could pay upwards of $2,968
• The price for full coverage for a 16-year-old driver for full coverage may cost $5,214 each year

View Chart as Image

Insurance prices for a Chevrolet Cruze are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Chevrolet Cruze insurance prices. A good driver about age 40 could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,840 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,300 extra each year, depending on your age. Chevrolet Cruze insurance for high-risk drivers ranges from 44% to 131% more than the average policy. View High Risk Driver Rates

How to Find the Right Chevrolet Cruze Insurance

Getting lower rates on insurance for a Chevrolet Cruze takes being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates at every other renewal by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The items below are a quick rundown of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,610 more each year to insure their Cruze
• Teen drivers pay the highest prices, costing up to $435 a month for full coverage
• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $500 each year
• You may be able 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.