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 prices for a Chevrolet Cruze are $1,360 every 12 months for full coverage insurance. Comprehensive insurance costs around $248, collision insurance costs $512, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $2,968 or more. Teen drivers cost the most to insure at up to $5,214 a year.

Average premium for full coverage: $1,360

Policy rates for type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas. The example below illustrates how your location can change auto insurance rates.

The examples above illustrate why everyone should get quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $777
• Choosing higher $1,000 deductibles can save about $174 each year
• The average price for a good driver age 40 using $500 deductibles is $1,360
• Choosing pricier low deductibles for comp and collision coverage costs an extra $336 a year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,968
• Policy cost to insure a teen driver for full coverage can be $5,214 each year

View Chart as Image

Insurance rates for a Chevrolet Cruze also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles can save as much as $510 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 extra every year, depending on your age. Chevrolet Cruze insurance for high-risk drivers ranges anywhere from 44% to 131% more than average. View High Risk Driver Rates

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 $890 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,840 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Right Chevrolet Cruze Insurance

Finding cheaper rates on Chevrolet Cruze insurance takes having a decent driving record, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a quick rundown of the data that was illustrated above.

• It is possible to save up to $160 per year just by quoting online well ahead of the renewal date
• Drivers who may need additional liability coverage will pay about $490 annually to raise limits from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers pay higher rates, possibly costing $435 each month if they have full coverage
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,610 more every year than a driver with a clean driving record

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.