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. 

Estimated insurance prices for a Chevrolet Cruze are $1,380 every 12 months including full coverage. Comprehensive costs on average $262, collision costs $530, and liability is estimated at $430. A policy with only liability insurance costs approximately $486 a year, with a high-risk policy costing around $3,006. Teenage drivers pay the most at $5,246 a year or more.

Average premium for full coverage: $1,380

Premium estimates by type of coverage:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Cruze models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

These rate differences highlight why everyone should get quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The best discount rate is $789
• Choosing higher $1,000 deductibles can save around $178 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,380
• Using pricier low deductibles for comp and collision coverage increases the price to $1,732
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,006 or more
• An auto insurance policy to insure a 16-year-old driver for full coverage may cost $5,246 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $530 annually, whereas buying more liability protection will cost you more. Changing 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

A more mature driver with no driving violations and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 extra annually, depending on your age. Chevrolet Cruze insurance for high-risk drivers ranges from 44% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Chevrolet Cruze insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.

How to Shop for Affordable Chevrolet Cruze Insurance

Finding better rates on insurance for a Chevrolet Cruze takes being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below is a brief review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,630 more each year for auto insurance
• Teenage drivers are expensive to insure, with the cost nearing $437 per month if the policy includes full coverage
• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $525 each year
• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date

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.