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. 

U.S. average insurance rates for a Chevrolet Cruze are $1,380 a year for full coverage. Comprehensive insurance costs an estimated $262 each year, collision insurance costs $530, and liability costs around $430. Buying just liability costs as low as $486 a year, and insurance for high-risk drivers costs $3,006 or more. Teenage drivers pay the highest rates at up to $5,246 a year.

Average premium for full coverage: $1,380

Price estimates broken down by individual coverage:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Cruze models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

The ranges above show why all drivers should compare prices for a targeted area, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $789
• Using higher $1,000 deductibles will save approximately $178 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,380
• Using low deductibles for physical damage coverage will cost an additional $352 annually
• High-risk insureds who are prone to accidents and violations could pay up to $3,006
• The price that insures a 16-year-old driver can cost as much as $5,246 or more

View Chart as Image

Insurance prices for a Chevrolet Cruze are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can be from 44% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,200 a year. View Rates by Age

The state you live in has a huge impact on Chevrolet Cruze insurance prices. A driver around age 40 might see prices as low as $910 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $530 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit

How to Find Low Cost Chevrolet Cruze Insurance

Getting lower rates on insurance for a Chevrolet Cruze requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every couple of years by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a review of the material that was illustrated above.

• Insureds who want more liability coverage will pay an extra $470 each year to increase from a low limit to the 250/500 level
• Teen drivers are expensive to insure, with premiums as much as $437 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,630 more annually to insure their Cruze
• Increasing physical damage deductibles can save approximately $525 each year

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.