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 for full coverage. Comprehensive costs approximately $248 a year, collision costs $512, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,968. 16-year-old 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 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than congested cities.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above show why it is important to compare rates using their specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $777
• Drivers who choose higher $1,000 deductibles will pay $1,186 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,360
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,696
• High risk drivers with multiple tickets or accidents could pay around $2,968 or more
• Policy cost for full coverage for a teen driver can cost $5,214 a year

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could save up to $510 each year, while buying higher liability limits will push rates upward. Going 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 could be paying anywhere from $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

How to Find Low Cost Chevrolet Cruze Insurance

Finding cheaper rates on Chevrolet Cruze insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Take the time to comparison shop every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a review of the information touched on in the above illustrations.

• Drivers can save around $160 per year simply by quoting early and online
• Teenage drivers pay the highest auto insurance rates, costing 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 have several accidents or serious violations may pay on average $1,610 more per year for auto insurance
• Drivers who purchase higher levels of liability will pay around $490 each year to go 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.