Chevrolet Cruze Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 29, 2024

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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

Estimated insurance prices for a Chevrolet Cruze are $1,380 every 12 months with full coverage. Comprehensive costs approximately $262, collision insurance costs $530, and liability coverage costs around $430. A policy with only liability insurance costs as low as $486 a year, and a high-risk policy costs around $3,006. Teen drivers pay the most at up to $5,246 a year.

Average premium for full coverage: $1,380

Premium estimates by type of coverage:

Comprehensive $262
Collision $530
Liability $430

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Cruze trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Chevrolet Cruze range from the cheapest price of $486 for just liability coverage to a much higher rate of $3,006 for a high-risk driver policy.

Liability Only $486
Full Coverage $1,380
High Risk $3,006

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,035
Small Cities $1,449
Large Cities $1,863

These rate differences demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below details average Chevrolet Cruze insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $789
  • Using higher $1,000 deductibles will save $178 annually
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,380
  • Choosing more expensive low deductibles for physical damage coverage increases the price to $1,732
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,006
  • An auto insurance policy to insure a teenage driver with full coverage can cost $5,246 or more

View Chart as Image

Chevrolet Cruze insurance cost comparison chart
Column chart showing Chevrolet Cruze insurance rates range from $789 to $5,246 for full coverage

Car insurance prices for a Chevrolet Cruze also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Cruze.

Choosing high deductibles could cut prices by as much as $530 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can be around 44% to 137% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Chevrolet Cruze insurance rates. A driver around age 40 might see prices as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,860 on average in New York, Michigan, and Florida.

Chevrolet Cruze Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,248 -$132 -9.6%
Alaska $1,060 -$320 -23.2%
Arizona $1,146 -$234 -17.0%
Arkansas $1,380 -$0 0.0%
California $1,574 $194 14.1%
Colorado $1,318 -$62 -4.5%
Connecticut $1,420 $40 2.9%
Delaware $1,564 $184 13.3%
Florida $1,726 $346 25.1%
Georgia $1,274 -$106 -7.7%
Hawaii $990 -$390 -28.3%
Idaho $932 -$448 -32.5%
Illinois $1,028 -$352 -25.5%
Indiana $1,040 -$340 -24.6%
Iowa $932 -$448 -32.5%
Kansas $1,312 -$68 -4.9%
Kentucky $1,882 $502 36.4%
Louisiana $2,042 $662 48.0%
Maine $850 -$530 -38.4%
Maryland $1,136 -$244 -17.7%
Massachusetts $1,106 -$274 -19.9%
Michigan $2,398 $1,018 73.8%
Minnesota $1,156 -$224 -16.2%
Mississippi $1,652 $272 19.7%
Missouri $1,226 -$154 -11.2%
Montana $1,484 $104 7.5%
Nebraska $1,088 -$292 -21.2%
Nevada $1,652 $272 19.7%
New Hampshire $996 -$384 -27.8%
New Jersey $1,544 $164 11.9%
New Mexico $1,222 -$158 -11.4%
New York $1,454 $74 5.4%
North Carolina $796 -$584 -42.3%
North Dakota $1,130 -$250 -18.1%
Ohio $954 -$426 -30.9%
Oklahoma $1,418 $38 2.8%
Oregon $1,264 -$116 -8.4%
Pennsylvania $1,316 -$64 -4.6%
Rhode Island $1,840 $460 33.3%
South Carolina $1,250 -$130 -9.4%
South Dakota $1,164 -$216 -15.7%
Tennessee $1,210 -$170 -12.3%
Texas $1,664 $284 20.6%
Utah $1,022 -$358 -25.9%
Vermont $946 -$434 -31.4%
Virginia $828 -$552 -40.0%
Washington $1,066 -$314 -22.8%
West Virginia $1,264 -$116 -8.4%
Wisconsin $956 -$424 -30.7%
Wyoming $1,230 -$150 -10.9%

View Chart as Image

Chevrolet Cruze insurance rates by U.S. city
Chevrolet Cruze Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Chevrolet Cruze $262 $530 $430 $1,380
2019 Chevrolet Cruze $248 $512 $442 $1,360
2018 Chevrolet Cruze $238 $474 $452 $1,322
2017 Chevrolet Cruze $230 $446 $456 $1,290
2016 Chevrolet Cruze $220 $400 $460 $1,238
2015 Chevrolet Cruze $206 $368 $460 $1,192
2014 Chevrolet Cruze $198 $346 $464 $1,166
2013 Chevrolet Cruze $194 $322 $474 $1,148
2012 Chevrolet Cruze $180 $300 $474 $1,112
2011 Chevrolet Cruze $174 $272 $478 $1,082

Rates are averaged for all Chevrolet Cruze models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheaper Chevrolet Cruze Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct companies, and also from insurance agencies where you live.

The list below is a condensed summary of the information touched on in this article.

  • You may be able to save around $170 per year just by shopping early and online
  • Teenagers pay the highest auto insurance prices, possibly costing $437 per month if the policy includes full coverage
  • Increasing policy deductibles could save as much as $525 each year
  • Drivers with multiple at-fault accidents could be forced to pay on average $1,630 more per year for car insurance
  • Consumers who purchase higher liability limits will pay about $470 every year to increase from 30/60 bodily injury limits to a 250/500 level

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.

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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:

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

Rates by Driver Age

Chevrolet Cruze Insurance Rates by Driver Age
Driver Age Premium
16 $5,246
20 $3,216
30 $1,434
40 $1,380
50 $1,264
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cruze Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,732
$250 $1,566
$500 $1,380
$1,000 $1,202

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cruze Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,380
50/100 $1,466
100/300 $1,574
250/500 $1,853
100 CSL $1,509
300 CSL $1,746
500 CSL $1,918

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Cruze Insurance Rates for High Risk Drivers
Age Premium
16 $7,482
20 $5,124
30 $3,066
40 $3,006
50 $2,872
60 $2,848

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $197

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $103
5-yr Claim Free $90
Paid in Full/EFT $63
Advance Quote $69
Online Quote $98
Total Discounts $591
Rate after discounts $789

Discounts are estimated and may not be available from every company or in every state.

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