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 $1,360 a year with full coverage. Comprehensive costs on average $248 each year, collision costs $512, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing around $2,968. Teenage drivers pay the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,360

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Cruze models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how where you live affects car insurance rates.

The ranges above demonstrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $777
• Raising to $1,000 deductibles will save around $174 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,360
• Using low deductibles will increase the cost to $1,696
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,968 or more
• The price for full coverage for a teen driver may cost $5,214

View Chart as Image

Insurance prices for a Chevrolet Cruze are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

The state you live in also has a big influence on Chevrolet Cruze insurance prices. A middle-age driver might find prices as low as $980 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,840 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $510 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and prices may be quite different from one company to the next.

How to Find the Best Cheap Chevrolet Cruze Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every other policy renewal by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The points below are a quick review of the ideas that were touched on in the above illustrations.

• Drivers under the age of 20 pay higher prices, costing up to $435 a month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,610 more each year to insure a Chevrolet Cruze
• Increasing physical damage deductibles can save around $500 each year
• You may be able to save as much as $160 per year simply by quoting online in advance

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.