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: 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

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:

Comprehensive $248
Collision $512
Liability $442

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.

Liability Only $496
Full Coverage $1,360
High Risk $2,968

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.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

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

View Chart as Image

Chevrolet Cruze insurance cost comparison chart
Column chart showing full coverage Chevrolet Cruze insurance prices range from $777 to $5,214

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.

Chevrolet Cruze Insurance Rates by State
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%

View Chart as Image

Chevrolet Cruze insurance rates by U.S. city

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.

Chevrolet Cruze Insurance Rates by Model Year
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.

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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 $5,214
20 $3,174
30 $1,412
40 $1,360
50 $1,244
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cruze Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,696
$250 $1,540
$500 $1,360
$1,000 $1,186

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cruze Insurance Rates with Different Liability Limits
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

Chevrolet Cruze Insurance 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.

SR-22 Surcharge $195

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
Rate after discounts $777

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

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