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 including full coverage. Comprehensive costs approximately $248 each year, collision costs $512, and liability insurance is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing around $2,968. Teenage drivers receive the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,360

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

These examples highlight why all drivers should compare rates quotes using their specific location, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $777
• Raising to $1,000 deductibles will save $174 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,360
• Using low deductibles bumps up the cost to $1,696
• Higher-risk drivers who are prone to accidents and violations could pay around $2,968 or more
• The cost that insures a teen driver can cost $5,214

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live also has a big influence on Chevrolet Cruze insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $510 each year, whereas increasing liability limits will push rates upward. Changing 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

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

How to Find the Best Chevrolet Cruze Insurance

Saving money on Chevrolet Cruze insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The items below are a brief recap of the concepts that were presented in the illustrations above.

• High-risk drivers who tend to receive serious violations will likely pay on average $1,610 more per year to insure their Cruze
• Teen drivers have the highest car insurance rates, as much as $435 per month if the policy includes full coverage
• You may be able to save around $160 per year simply by quoting online in advance
• Increasing deductibles can save approximately $500 each year
• You may be able to save around $160 per year simply by quoting online in advance

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.