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 insurance rates for a Chevrolet Cruze are $1,380 a year for full coverage. Comprehensive costs on average $262 a year, collision insurance costs $530, and liability insurance costs around $430. A policy with just liability insurance costs as low as $486 a year, and coverage for high-risk drivers costs around $3,006. 16-year-old drivers receive the highest rates at up to $5,246 a year.

Average premium for full coverage: $1,380

Rate estimates by individual coverage type:

Includes $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why it is important to compare prices based on a specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Information

The chart below shows average Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $789
• Using higher $1,000 deductibles will save around $1,202 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,380
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,732
• Drivers with multiple tickets or accidents could pay upwards of $3,006
• The cost for full coverage for a teen driver may cost $5,246 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

Where you live has a huge impact on Chevrolet Cruze insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Idaho, Maine, and Iowa, or at least $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $530 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 137% more than the average rate. View High Risk Driver Rates

How to Find the Cheapest Chevrolet Cruze Insurance

Saving money on Chevrolet Cruze insurance requires having a good driving record, having a good credit history, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to compare rates every couple of years by getting rate quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The next list is a recap of the material that was covered above.

• Drivers who require increased levels of liability coverage will pay around $470 each year to increase from a minimum limit to 250/500 limits
• Drivers age 20 and younger pay higher rates, costing as high as $437 per month including comprehensive and collision insurance
• High-risk drivers that have major violations or accidents will pay on average $1,630 more each year to buy Chevrolet Cruze insurance
• Increasing deductibles can save around $525 each year

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.