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. 

The average insurance rates for a Chevrolet Cruze are $1,360 a year including full coverage. Comprehensive costs an estimated $248, collision costs $512, and liability insurance is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $2,968. Teens cost the most to insure at $5,214 a year or more.

Average premium for full coverage: $1,360

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Chevrolet Cruze insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $777
• Choosing higher $1,000 deductibles can save approximately $174 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,360
• Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,696
• High-risk insureds with serious driving violations could pay up to $2,968 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,214 each year

View Chart as Image

Car insurance rates for a Chevrolet Cruze also range considerably based on your risk profile, the model of your Cruze, and liability limits and deductibles.

An older driver with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,200 a year. View Rates by Age

Your home state 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 Vermont, New Hampshire, and Missouri, or have to pay at least $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes will be varied from one company to the next.

How to Find the Best Chevrolet Cruze Insurance

Finding cheaper rates on Chevrolet Cruze insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the information raised in the charts and tables above.

• You may be able to save approximately $160 per year simply by shopping early and online
• Youthful drivers have the highest car insurance rates, with premiums being up to $435 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $500 each year
• High-risk drivers who tend to receive serious violations may pay on average $1,610 more annually than a low-risk driver
• Drivers who want more liability protection will pay approximately $490 per year to raise limits from a 30/60 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.