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 auto insurance rates for a Chevrolet Cruze are $1,360 annually for full coverage insurance. Comprehensive costs approximately $248, collision costs $512, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage 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:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas.

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

The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $777
• Raising to $1,000 deductibles will save $174 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,360
• Choosing more expensive low deductibles will cost $1,696
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,968 or more
• Policy cost with full coverage for a teen driver with full coverage can cost $5,214

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

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared 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 caused a few accidents, you are probably paying anywhere from $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $510 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Chevrolet Cruze insurance prices. A middle-age driver might find rates as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,840 on average in Florida, New York, and Michigan.

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Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and rates will be varied between companies.

How to Buy Cheap Chevrolet Cruze Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief summary of the ideas that were covered above.

• Teenagers are the costliest to insure, possibly costing $435 each month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,610 more per year for car insurance
• Increasing comprehensive and collision deductibles could save up to $500 each year
• It is possible to save around $160 per year simply by shopping 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.