Chevrolet Cruze Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Dec 1, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
The average insurance rates for a Chevrolet Cruze are $1,360 a year with full coverage. Comprehensive insurance costs around $248, collision costs $512, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $2,968 or more. 16-year-old drivers cost the most to insure at $5,214 a year or more.
Average premium for full coverage: $1,360
Policy rates for type of insurance:
Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Cruze models.
Price Range Variability
Using a middle-aged driver as an example, Chevrolet Cruze insurance rates go from as low as $496 for just liability coverage to the much higher price of $2,968 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities.
The example below illustrates how where you live affects auto insurance rates.
The examples above demonstrate why everyone should compare rates for a specific zip code and risk profile, rather than relying on rate 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 estimated Chevrolet Cruze insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $777
- Drivers who choose higher $1,000 deductibles will pay about $174 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,360
- Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $336 a year
- High risk drivers with multiple tickets or accidents could pay at least $2,968 or more
- Policy cost for full coverage for a teen driver for full coverage can be $5,214 a year
Auto insurance rates for a Chevrolet Cruze also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age
Your home state makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or at least $1,840 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,230 | -$130 | -9.6% |
Alaska | $1,044 | -$316 | -23.2% |
Arizona | $1,130 | -$230 | -16.9% |
Arkansas | $1,360 | -$0 | 0.0% |
California | $1,548 | $188 | 13.8% |
Colorado | $1,300 | -$60 | -4.4% |
Connecticut | $1,400 | $40 | 2.9% |
Delaware | $1,538 | $178 | 13.1% |
Florida | $1,700 | $340 | 25.0% |
Georgia | $1,256 | -$104 | -7.6% |
Hawaii | $976 | -$384 | -28.2% |
Idaho | $920 | -$440 | -32.4% |
Illinois | $1,012 | -$348 | -25.6% |
Indiana | $1,026 | -$334 | -24.6% |
Iowa | $918 | -$442 | -32.5% |
Kansas | $1,294 | -$66 | -4.9% |
Kentucky | $1,856 | $496 | 36.5% |
Louisiana | $2,014 | $654 | 48.1% |
Maine | $840 | -$520 | -38.2% |
Maryland | $1,122 | -$238 | -17.5% |
Massachusetts | $1,088 | -$272 | -20.0% |
Michigan | $2,364 | $1,004 | 73.8% |
Minnesota | $1,138 | -$222 | -16.3% |
Mississippi | $1,630 | $270 | 19.9% |
Missouri | $1,206 | -$154 | -11.3% |
Montana | $1,462 | $102 | 7.5% |
Nebraska | $1,072 | -$288 | -21.2% |
Nevada | $1,630 | $270 | 19.9% |
New Hampshire | $978 | -$382 | -28.1% |
New Jersey | $1,522 | $162 | 11.9% |
New Mexico | $1,204 | -$156 | -11.5% |
New York | $1,434 | $74 | 5.4% |
North Carolina | $782 | -$578 | -42.5% |
North Dakota | $1,114 | -$246 | -18.1% |
Ohio | $940 | -$420 | -30.9% |
Oklahoma | $1,396 | $36 | 2.6% |
Oregon | $1,246 | -$114 | -8.4% |
Pennsylvania | $1,298 | -$62 | -4.6% |
Rhode Island | $1,816 | $456 | 33.5% |
South Carolina | $1,230 | -$130 | -9.6% |
South Dakota | $1,150 | -$210 | -15.4% |
Tennessee | $1,194 | -$166 | -12.2% |
Texas | $1,638 | $278 | 20.4% |
Utah | $1,008 | -$352 | -25.9% |
Vermont | $932 | -$428 | -31.5% |
Virginia | $814 | -$546 | -40.1% |
Washington | $1,052 | -$308 | -22.6% |
West Virginia | $1,246 | -$114 | -8.4% |
Wisconsin | $942 | -$418 | -30.7% |
Wyoming | $1,214 | -$146 | -10.7% |
Opting for high physical damage deductibles could save up to $510 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,300 in extra premium every year, depending on your age. Chevrolet Cruze insurance for high-risk drivers can cost anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Every company utilizes a different rate formula, and quoted rates will be varied from one company to the next.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2019 Chevrolet Cruze | $248 | $512 | $442 | $1,360 |
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 Find Low Cost Chevrolet Cruze Insurance
Finding cheaper rates on Chevrolet Cruze insurance not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a review of the data that was touched on in the above illustrations.
- You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
- Drivers who may need higher levels of liability will pay around $490 every year to go from a 30/60 limit to 250/500 limits
- Teenage drivers are expensive to insure, as much as $435 each month if they have full coverage
- High-risk drivers who have several accidents or serious violations pay an average of $1,610 more every year for auto 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.
Compare Quotes From Top Companies and Save Secured with SHA-256 EncryptionFree Car Insurance Comparison
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
Driver Age | Premium |
---|---|
16 | $5,214 |
20 | $3,174 |
30 | $1,412 |
40 | $1,360 |
50 | $1,244 |
60 | $1,222 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,696 |
$250 | $1,540 |
$500 | $1,360 |
$1,000 | $1,186 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,360 |
50/100 | $1,448 |
100/300 | $1,559 |
250/500 | $1,846 |
100 CSL | $1,493 |
300 CSL | $1,736 |
500 CSL | $1,913 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,430 |
20 | $5,064 |
30 | $3,024 |
40 | $2,968 |
50 | $2,836 |
60 | $2,812 |
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.
Discount | Savings |
---|---|
Multi-policy | $72 |
Multi-vehicle | $74 |
Homeowner | $21 |
5-yr Accident Free | $101 |
5-yr Claim Free | $89 |
Paid in Full/EFT | $62 |
Advance Quote | $68 |
Online Quote | $96 |
Total Discounts | $583 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area