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 including full coverage. Comprehensive insurance costs on average $248 each year, collision costs $512, and liability coverage costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $2,968 or more. Teenage drivers receive the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,360

Rate estimates by individual coverage type:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

These examples highlight why all drivers should compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The best discount rate is $777
• Drivers who choose higher $1,000 deductibles will pay around $174 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,360
• Using low deductibles for comprehensive and collision insurance costs an additional $336 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,968 or more
• The cost with full coverage for a teenage driver may cost $5,214 a year

View Chart as Image

Insurance rates for a Chevrolet Cruze can also vary considerably based on the trim level of your Cruze, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared 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 likely paying at a minimum $1,600 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and rates can be significantly different between companies.

How to Buy Cheaper Chevrolet Cruze Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around at every policy renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a condensed summary of the data touched on above.

• Consumers who require more liability coverage will pay an extra $490 per year to go from a minimum limit to higher 250/500 limits
• You may be able to save as much as $160 per year simply by quoting online in advance
• Increasing deductibles could save up to $500 each year
• Teen drivers pay higher rates, as much as $435 per month if they have full coverage

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.