Chevrolet Cruze Insurance Rates
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UPDATED: Dec 1, 2021
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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.
Average insurance rates for a Chevrolet Cruze are $1,380 a year for full coverage. Comprehensive costs on average $262 a year, collision costs $530, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $3,006. Teen drivers receive the highest rates at $5,246 a year or more.
Average premium for full coverage: $1,380
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Cruze trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $3,006 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.
Insurance Rate Analysis
The chart below shows estimated Chevrolet Cruze insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $789
- Drivers who choose higher $1,000 deductibles will pay around $1,202 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,380
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,732
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,006 or more
- The cost for full coverage for a teen driver may cost $5,246 a year
for a Chevrolet Cruze can also vary considerably based on your driver profile, the trim level of your Cruze, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $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 $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $530 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 137% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2019 Chevrolet Cruze||$262||$530||$430||$1,380|
|2017 Chevrolet Cruze||$238||$474||$452||$1,322|
|2016 Chevrolet Cruze||$230||$446||$456||$1,290|
|2015 Chevrolet Cruze||$220||$400||$460||$1,238|
|2014 Chevrolet Cruze||$206||$368||$460||$1,192|
|2013 Chevrolet Cruze||$198||$346||$464||$1,166|
|2012 Chevrolet Cruze||$194||$322||$474||$1,148|
|2011 Chevrolet Cruze||$180||$300||$474||$1,112|
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 Find Cheaper Chevrolet Cruze Insurance
Saving money on Chevrolet Cruze insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $525 each year
- Drivers can save as much as $170 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $437 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,630 more each year for insurance
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$103|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.
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