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 $1,360 a year for full coverage insurance. Comprehensive insurance costs an estimated $248 a year, collision insurance costs $512, and liability insurance costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $2,968 or more. Teen drivers receive the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Rate estimates broken down by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.

These examples illustrate why it is important to compare rates for a targeted area, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $777
• Drivers who choose higher $1,000 deductibles will pay approximately $1,186 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,360
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $336 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,968
• The cost that insures a teen driver can cost as much as $5,214 a year

View Chart as Image

Auto insurance rates for a Chevrolet Cruze can also vary considerably based on the trim level of your Cruze, 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 $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age

Where you live makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Choosing high deductibles could save up to $510 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Chevrolet Cruze Insurance

Saving money on Chevrolet Cruze insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a quick review of the concepts that were raised in the charts and tables above.

• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,610 more annually for car insurance
• Teenagers are the costliest to insure, costing up to $435 per month if the policy includes full coverage
• It is possible to save approximately $160 per year just by quoting early and online
• Increasing deductibles can save approximately $500 each year
• It is possible to save approximately $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.