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. Comprehensive costs approximately $248 each year, collision costs $512, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $2,968. Teen drivers cost the most to insure at $5,214 a year or more.

Average premium for full coverage: $1,360

Policy rates by type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Cruze models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above show why all drivers should compare rates using their specific location and their own driving history, instead of using price averages.

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

Rates by State, City, and Model

The chart below shows estimated Chevrolet Cruze insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $777
• Drivers who choose higher $1,000 deductibles will pay $174 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,360
• Choosing low deductibles for comprehensive and collision insurance increases the price to $1,696
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,968 or more
• Policy cost to insure a teen driver can cost $5,214 a year

View Chart as Image

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

Choosing high deductibles could save up to $510 every year, whereas increasing liability limits will push rates upward. Going 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

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $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 could be paying anywhere from $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 131% more than average. View High Risk Driver Rates

Your home state makes a big difference in Chevrolet Cruze insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,940 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied.

How to Shop for Low Cost Chevrolet Cruze Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every time your policy renews by getting quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a review of the information covered in the above illustrations.

• Drivers can save around $160 per year simply by quoting online in advance
• Youthful drivers are expensive to insure, costing up to $435 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $1,610 more per year than a low-risk driver
• Policyholders who purchase more liability protection will pay about $490 each year to go from a 30/60 limit to a 250/500 level

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.