Chevrolet Cruze Insurance Rates
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UPDATED: Mar 29, 2024
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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 auto insurance rates for a Chevrolet Cruze are $1,322 annually including full coverage. Comprehensive costs an estimated $238 a year, collision costs $474, and liability insurance costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,882. Teenage drivers receive the highest rates at $5,094 a year or more.
Average premium for full coverage: $1,322
Rate estimates broken down by individual coverage type:
Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Cruze trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $504 for just liability coverage to a high of $2,882 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on insurance prices.
These examples highlight why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.
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 breaks down estimated Chevrolet Cruze insurance rates for other coverage scenarios.
- The best discount rate is $760
- Drivers who choose higher $1,000 deductibles will pay approximately $1,162 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,322
- Using low $100 deductibles for comprehensive and collision insurance will cost $1,638
- High risk drivers who are prone to accidents and violations could pay up to $2,882 or more
- The cost with full coverage for a teen driver can cost as much as $5,094 a year
Auto insurance rates for a Chevrolet Cruze can also vary considerably based on the trim level of your Cruze, your driving characteristics, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $480 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,890 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,196 | -$126 | -9.5% |
Alaska | $1,014 | -$308 | -23.3% |
Arizona | $1,098 | -$224 | -16.9% |
Arkansas | $1,322 | -$0 | 0.0% |
California | $1,506 | $184 | 13.9% |
Colorado | $1,262 | -$60 | -4.5% |
Connecticut | $1,362 | $40 | 3.0% |
Delaware | $1,496 | $174 | 13.2% |
Florida | $1,654 | $332 | 25.1% |
Georgia | $1,220 | -$102 | -7.7% |
Hawaii | $950 | -$372 | -28.1% |
Idaho | $896 | -$426 | -32.2% |
Illinois | $986 | -$336 | -25.4% |
Indiana | $996 | -$326 | -24.7% |
Iowa | $892 | -$430 | -32.5% |
Kansas | $1,256 | -$66 | -5.0% |
Kentucky | $1,804 | $482 | 36.5% |
Louisiana | $1,958 | $636 | 48.1% |
Maine | $816 | -$506 | -38.3% |
Maryland | $1,090 | -$232 | -17.5% |
Massachusetts | $1,058 | -$264 | -20.0% |
Michigan | $2,298 | $976 | 73.8% |
Minnesota | $1,108 | -$214 | -16.2% |
Mississippi | $1,584 | $262 | 19.8% |
Missouri | $1,174 | -$148 | -11.2% |
Montana | $1,420 | $98 | 7.4% |
Nebraska | $1,044 | -$278 | -21.0% |
Nevada | $1,586 | $264 | 20.0% |
New Hampshire | $954 | -$368 | -27.8% |
New Jersey | $1,478 | $156 | 11.8% |
New Mexico | $1,172 | -$150 | -11.3% |
New York | $1,394 | $72 | 5.4% |
North Carolina | $762 | -$560 | -42.4% |
North Dakota | $1,084 | -$238 | -18.0% |
Ohio | $914 | -$408 | -30.9% |
Oklahoma | $1,356 | $34 | 2.6% |
Oregon | $1,210 | -$112 | -8.5% |
Pennsylvania | $1,262 | -$60 | -4.5% |
Rhode Island | $1,764 | $442 | 33.4% |
South Carolina | $1,198 | -$124 | -9.4% |
South Dakota | $1,116 | -$206 | -15.6% |
Tennessee | $1,158 | -$164 | -12.4% |
Texas | $1,596 | $274 | 20.7% |
Utah | $978 | -$344 | -26.0% |
Vermont | $906 | -$416 | -31.5% |
Virginia | $792 | -$530 | -40.1% |
Washington | $1,022 | -$300 | -22.7% |
West Virginia | $1,210 | -$112 | -8.5% |
Wisconsin | $916 | -$406 | -30.7% |
Wyoming | $1,178 | -$144 | -10.9% |
With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Chevrolet Cruze | $262 | $530 | $430 | $1,380 |
2019 Chevrolet Cruze | $248 | $512 | $442 | $1,360 |
2018 Chevrolet Cruze | $238 | $474 | $452 | $1,322 |
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 Buy the Best Chevrolet Cruze Insurance
Saving money on Chevrolet Cruze insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below is a brief recap of the data covered in the above illustrations.
- Drivers who want higher levels of liability will pay an extra $500 per year to go from a minimum limit to higher 250/500 limits
- You may be able to save approximately $160 per year simply by quoting early and online
- Increasing deductibles could save up to $475 each year
- Teenage drivers are the costliest to insure, as much as $425 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.
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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
Driver Age | Premium |
---|---|
16 | $5,094 |
20 | $3,080 |
30 | $1,370 |
40 | $1,322 |
50 | $1,210 |
60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,638 |
$250 | $1,492 |
$500 | $1,322 |
$1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,322 |
50/100 | $1,412 |
100/300 | $1,525 |
250/500 | $1,819 |
100 CSL | $1,458 |
300 CSL | $1,706 |
500 CSL | $1,887 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,256 |
20 | $4,912 |
30 | $2,934 |
40 | $2,882 |
50 | $2,754 |
60 | $2,732 |
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 | $70 |
Multi-vehicle | $72 |
Homeowner | $21 |
5-yr Accident Free | $96 |
5-yr Claim Free | $86 |
Paid in Full/EFT | $59 |
Advance Quote | $65 |
Online Quote | $93 |
Total Discounts | $562 |
Discounts are estimated and may not be available from every company or in every state.
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