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 $1,322 a year for full coverage insurance. Comprehensive insurance costs an estimated $238, collision costs $474, and liability is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing $2,882 or more. Teens receive the highest rates at $5,094 a year or more.

Average premium for full coverage: $1,322

Rate estimates broken down by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Chevrolet Cruze insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $760
• Raising to $1,000 deductibles will save approximately $160 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,322
• Selecting more expensive low deductibles will cost an additional $316 every year
• At-risk drivers with serious driving violations could pay up to $2,882 or more
• The cost that insures a teen driver with full coverage can cost as much as $5,094

View Chart as Image

Insurance rates for a Chevrolet Cruze can also vary considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 135% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age

Where you live also has a big influence on Chevrolet Cruze insurance prices. A middle-age driver might find rates as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,790 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, so the rates can be significantly different.

How to Find Affordable Chevrolet Cruze Insurance

Saving money on car insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief review of the coverage data covered above.

• It is possible to save approximately $160 per year simply by shopping early and online
• Increasing deductibles can save approximately $475 each year
• 16 to 18-year-old drivers are charged the highest rates, costing up to $425 per month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,560 more annually than a driver with a clean driving record

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.