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 auto insurance rates for a Chevrolet Cruze are $1,360 annually for full coverage insurance. Comprehensive costs on average $248, collision costs $512, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,968. Teenage drivers pay the most at $5,214 a year or more.

Average premium for full coverage: $1,360

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different Cruze trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $777
• Drivers who choose higher $1,000 deductibles will pay around $174 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,360
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,696
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,968 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage may cost $5,214 a year

View Chart as Image

Auto insurance prices for a Chevrolet Cruze also have a wide range based on the model of your Cruze, your risk profile, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $510 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,840 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

How to Buy Cheap Chevrolet Cruze Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around at every policy renewal by getting quotes from direct insurance companies, and also from local exclusive and independent agents.

Below you'll find a brief summary of the data illustrated above.

• Consumers who require more liability protection will pay an extra $490 annually to go from 30/60 bodily injury limits to higher 250/500 limits
• It is possible to save as much as $160 per year simply by shopping early and online
• Increasing policy deductibles could save up to $500 each year
• Youthful drivers are charged the highest prices, with premiums being up to $435 per month if full coverage is included

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.