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 for full coverage insurance. Comprehensive insurance costs on average $248 a year, collision insurance costs $512, and liability costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $2,968 or more. Teenage drivers pay the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Cruze trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Information

The chart below illustrates average 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 $1,186 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,360
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $336 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,968
• The price for full coverage for a teen driver may cost $5,214 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

The state you live in makes a big difference in Chevrolet Cruze insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,840 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $510 every year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Chevrolet Cruze Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every other policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a brief summary of the ideas that were touched on above.

• Teen drivers pay higher prices, as much as $435 a month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,610 more each year to insure their Cruze
• Increasing physical damage deductibles can save around $500 each year
• It is possible to save as much as $160 per year just by quoting early and online

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.