Chevrolet Chevrolet Cruze Insurance Rates

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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: Dec 1, 2021

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Do you want to compare 2016 Chevrolet Cruze car insurance costs? You’re wondering, are Chevy Cruzes expensive to insure? You’re in the right place. Keep reading to understand the many factors that impact your car insurance rates.

Trying to find lower insurance rates for your Chevrolet Cruze? Big-name insurance companies like Geico, 21st Century, and Progressive continually bombard you with ad campaigns and it is challenging if not impossible to find which car insurance company is cheapest.

If you have a policy now or are looking for a new policy, you can use this information to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you is easy. Drivers just need to know how to get comparison quotes on the web.

On average, the 2016 Chevy Cruze insurance cost is $115 per month or $1,380 annually. Secure the cheapest 2016 Chevy Cruze price for insurance by entering your five-digit ZIP code into our FREE quote comparison tool.

Free Car Insurance Quotes

Shopping for lower 2016 Chevrolet Cruze car insurance rates can take time and effort if you aren’t aware of the most efficient way. You can spend your afternoon discussing policy coverages with agents in your area, or you can utilize the internet to quickly compare rates.

Many insurance companies belong to a marketplace where prospective buyers submit one quote, and at least one company returns a rated price based on that information. This saves time by eliminating form submissions for each company.

The single downside to pricing coverage this way is you don’t know exactly the companies you want to price. If you would rather choose individual companies to compare prices, we have assembled a list of low-cost car insurance companies in your area.

It doesn’t matter which method you choose, just make certain that you use exactly the same coverage information on every 2016 Chevrolet Cruze car insurance quote you get. If each company quotes mixed coverages it will be impossible to make an equal comparison.

Cut Prices on Chevy Cruze Insurance

Auto insurance companies do not advertise all their discounts very clearly, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount of up to 45 percent less on Cruze coverage than drivers with accidents.
  • Multiple Vehicles – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on Cruze coverage with a few insurance coverage companies.
  • College Student – Children who live away from home and do not have a car can receive lower rates.
  • Passive Restraint Discount – Cars that have airbags and/or automatic seat belt systems can get savings of up to 25 percent or more.
  • Anti-Lock Brake System – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10 percent.

If you’re not getting every credit possible, you are throwing money away.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

  • American Family
  • Nationwide
  • MetLife
  • 21st Century
  • Farmers Insurance
  • Allstate

Check with all companies you are considering which discounts you may be entitled to. Some discounts may not be available in your state.

Tailor Your Coverage to You

When buying proper insurance coverage for your vehicles, there really is not a cookie-cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions that can help discover whether or not you would benefit from professional advice.

  • How much liability insurance is required?
  • What is UM/UIM insurance?
  • How high should my medical payments coverage be?
  • Can I rate high-risk drivers on liability-only vehicles?
  • Should I have a commercial auto policy?
  • Do I pay less for low miles?
  • Who is covered when they drive my 2016 Chevy Cruze?
  • Does car insurance cover theft of personal property?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent.

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Chevy Cruze Insurance Rates Consist of Many Parts

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for 2016 Chevrolet Cruze auto insurance.

  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology, and General Motors OnStar all hinder your car from being stolen.
  • Safer cars cost less to insure – Safer cars can get you lower premiums. The safest vehicles reduce injuries and lower injury rates means lower claim amounts and lower rates for you. If the Chevy Cruze scored better than four stars on Safercar.gov it may be receiving lower rates.
  • Bundling policies can get discounts – Most auto insurance companies give discounts to customers who carry more than one policy. It’s known as a multi-policy discount. This can amount to 10 or even up to 20 percent in some cases. If you currently are using one company, you may still want to compare rates to ensure the best deal.
  • Being married can save on auto insurance – Getting married can actually save you money on auto insurance. Marriage usually means you are more mature and it’s proven that married drivers get in fewer accidents.
  • Your location affects your rates – Residing in a rural area can be a good thing when it comes to auto insurance. Fewer drivers translates into fewer accidents and a lower car theft rate. City drivers have to deal with much more traffic to deal with and a longer drive to work. More time on the road can result in more accidents.
  • What are your deductibles? – Physical damage deductibles define the amount you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. The more expense the insured has to pay upfront, the lower your rates will be on Cruze coverage.

When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get better auto insurance rates.

Save 15 percent in 15 minutes? Is it for real?

Drivers get pounded daily by advertisements that promise big savings by companies like Geico, State Farm, and Progressive. They all make the same claim of big savings if you move to them.

But how can every company say the same thing? This is how they do it.

Different companies can use profiling for the type of customer that earns them a profit. An example of a driver they prefer could possibly be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.

Drivers who are not a match for this ideal profile will be charged a more expensive rate which usually ends up with the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” saves that kind of money.

That’s the way companies can make those claims. That is why you should get quotes from several different companies. It’s impossible to know the best 2016 Chevrolet Cruze car insurance company.

Detailed Coverages of Your Car Insurance Policy

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement. These are the normal coverages found on most car insurance policies.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damages not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, hitting a deer and rock chips in glass. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for doctor visits, dental work, X-ray expenses and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage – This coverage provides protection from damages or injuries you inflict on other’s property or people. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability can pay for things such as pain and suffering, funeral expenses and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Collision – Collision insurance will pay to fix damage to your Cruze resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, driving through your garage door, crashing into a ditch, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Cruze.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Shop Smart & Save

Affordable 2016 Chevrolet Cruze car insurance is possible from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and usually, these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced uninsured motorist or liability limits only to find out that the few dollars in savings cost them thousands. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.

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From the information we’ve covered, you now understand what factors go into calculating the cheapest cars to insure. Compare affordable 2016 Chevy Cruze insurance quotes by entering your ZIP code into our FREE tool below.

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What are the safety ratings for the 2016 Chevy Cruze?

Do Chevy Cruze have a lot of problems? This is something insurance companies will consider when calculating rates for a 2016 Chevy Cruze car and driver. 

Looking at the 2016 Chevy Cruze safety ratings provides a lot of insight into if you’ll save money by driving this car, or if it will cost you more. 

There are two 2016 Cruze models, a redesigned basic model, and one titled Limited that stopped production after 2016. It’s important to perform a 2016 Chevy Cruze comparison because they are two different vehicle designs. 

Check out the safety ratings for the redesigned model below. 

  • Moderate overlap front: Good
  • Side: Good

A rating of Good is the highest possible score given by the Insurance Institute for Highway Safety. You’ll see some savings on your Allstate, USAA, or Geico insurance quotes for these safety ratings.

2016 Chevy Cruze Compared Against Other Vehicles in the Same Class

Comparing the 2016 Chevy Cruze to similar vehicles can help you save money, especially if the Cruze has a better loss ratio than cars in the same class. 

Is a Chevy Cruze considered a sports car? No. The Insurance Institute for Highway Safety labels the Chevy Cruze as a small four-door sedan. 

Comparing cars that are the same brand can be misleading. For example, the Chevy Malibu insurance costs will be different because that is a midsize car, not a small car like the Chevy Cruze.

Honda Civic insurance costs also are not great comparisons because the small car is a two-door model, and the four-door is a hatchback. 

Check out other comparable small four-door sedans below.

The 2016 Chevy Cruze has substantially worse than average personal injury, medical payment, and bodily injury loss ratios. Respectively, they are 38, 65, and 41 percent. 

Because of that extra risk, your insurance rates will be higher than other small four-door sedans.

How much does a 2016 Chevy Cruze cost? Just around $17,000 in total. How much does a turbo cost for a Chevy Cruze? Around $1,300 to assemble and replace.

While it’s an affordable vehicle, the high loss ratios stop you from saving all that much on car insurance.

You’re now an expert on 2016 Chevy Cruze insurance costs. Start immediately looking for the 2016 Chevy Cruze lowest prices by entering your ZIP code into our FREE quote comparison tool. Buy 2016 Chevrolet Cruze car insurance now.

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