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2015 Chevrolet Cruze Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 2, 2020

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It’s all about you. We want to help you make the right coverage choices.

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Average insurance rates for a 2015 Chevrolet Cruze are $1,322 a year for full coverage insurance. Comprehensive costs around $238, collision costs $474, and liability coverage costs $452. Buying a liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,882. Teenage drivers receive the highest rates at $5,094 a year or more.

Annual premium for full coverage: $1,322

Rate estimates for 2015 Chevrolet Cruze Insurance

Comprehensive $238
Collision $474
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2015 Chevrolet Cruze models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $504 for basic liability insurance to the much higher price of $2,882 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $1,322
High Risk $2,882

View Chart as Image

2015 Chevrolet Cruze insurance rates compared
Column chart showing 2015 Chevrolet Cruze insurance prices range from $760 to $5,094 for full coverage

These differences illustrate why everyone should compare rates for a specific zip code and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2015 Chevrolet Cruze Insurance

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Nobody I know likes having to buy auto insurance, particularly when they are paying too much.

You have so many car insurance companies to choose from, and although it’s a good thing to have multiple companies, having more auto insurance companies makes it harder to adequately compare rates.

Comprehensive Auto Insurance Comparison Quotes

Effectively comparing auto insurance prices can take time and effort if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) talking to insurance agencies in your area, or you can stay home and use the web to get prices fast.

Most of the best insurance companies belong to an insurance system where insurance shoppers submit their information once, and every company returns a competitive quote determined by their information. This system prevents you from having to do form submissions for each company you want a rate for.

To get comparison pricing now click here to start a free quote.

The one downside to using this type of system is that consumers can’t choose the providers you want pricing from. If you prefer to choose specific providers to compare rates, we have a listing of companies who write auto insurance in your area. Click to view list.

Whichever method you choose, make sure you use exactly the same coverage information for each price quote. If your comparisons have different deductibles it will be next to impossible to determine the lowest rate for your Chevy Cruze. Slightly different limits can mean a large discrepancy in price. And when price shopping your coverage, having more price comparisons gives you a better chance of getting the best offered rates.

Companies offer discounts so take them!

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but some must be specially asked for prior to receiving the credit.

  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Defensive Driver – Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Organization Discounts – Affiliation with a civic or occupational organization could qualify you for a break when buying car insurance on Cruze coverage.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may save at least 10% off all policies.
  • Life Insurance Discount – Larger companies have a discount if you purchase life insurance from them.

Consumers should know that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will reduce your premiums.

To see a list of insurance companies offering car insurance discounts, click here.

Free Auto Insurance Comparison

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Do I just need basic coverages?

When buying coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions could help you determine whether you would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Can I rent a car in Mexico?
  • Can I make deliveries for my home business?
  • Is my teen driver covered when they drive my company car?
  • Does having multiple vehicles earn me a discount?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Information about specific coverages

Learning about specific coverages of car insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from car insurance companies.

Auto liability

This can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as repair costs for stationary objects, emergency aid, medical expenses, funeral expenses and loss of income. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Cruze.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage protection

This covers damage to your Cruze resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, colliding with a tree, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like doctor visits, rehabilitation expenses and X-ray expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 Chevrolet Cruze Insurance Rates by City
City Premium
New York City, NY $2,091
Los Angeles, CA $2,259
Philadelphia, PA $1,767
Jacksonville, FL $1,919
Phoenix, AZ $1,537
Chicago, IL $1,775
Houston, TX $2,075
Seattle, WA $1,288
Columbus, OH $1,106
Indianapolis, IN $1,125

Rates by Driver Age

2015 Chevrolet Cruze Insurance 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

2015 Chevrolet Cruze Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,492
$500 $1,322
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cruze Insurance Rates with Different Liability Limits
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

2015 Chevrolet Cruze Insurance 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.

SR-22 Surcharge $188

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
Rate after discounts $760

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

Find companies with the cheapest rates in your area

2015 Chevrolet Cruze Insurance Rates by State
State Premium
Alabama $1,196
Alaska $1,014
Arizona $1,098
Arkansas $1,322
California $1,506
Colorado $1,262
Connecticut $1,362
Delaware $1,496
Florida $1,654
Georgia $1,220
Hawaii $950
Idaho $896
Illinois $986
Indiana $996
Iowa $892
Kansas $1,256
Kentucky $1,804
Louisiana $1,958
Maine $816
Maryland $1,090
Massachusetts $1,058
Michigan $2,298
Minnesota $1,108
Mississippi $1,584
Missouri $1,174
Montana $1,420
Nebraska $1,044
Nevada $1,586
New Hampshire $954
New Jersey $1,478
New Mexico $1,172
New York $1,394
North Carolina $762
North Dakota $1,084
Ohio $914
Oklahoma $1,356
Oregon $1,210
Pennsylvania $1,262
Rhode Island $1,764
South Carolina $1,198
South Dakota $1,116
Tennessee $1,158
Texas $1,596
Utah $978
Vermont $906
Virginia $792
Washington $1,022
West Virginia $1,210
Wisconsin $916
Wyoming $1,178

Free Auto Insurance Comparison

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