Chevrolet Cruze Insurance Rates
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UPDATED: Jun 6, 2023
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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 insurance rates for a Chevrolet Cruze are $1,360 a year for full coverage. Comprehensive costs an estimated $248 each year, collision costs $512, and liability is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing around $2,968. Teens receive the highest rates at $5,214 a year or more.
Average premium for full coverage: $1,360
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and Cruze models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $496 for just liability insurance to a high rate of $2,968 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects insurance prices.
These examples show why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.
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.
More Rate Details
The chart below shows estimated Chevrolet Cruze insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $777
- Raising to $1,000 deductibles will save approximately $174 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,360
- Selecting low deductibles will increase the cost to $1,696
- Drivers with serious driving violations could pay up to $2,968 or more
- The cost for full coverage for a 16-year-old driver can cost as much as $5,214
Insurance rates for a Chevrolet Cruze can also vary considerably based on your driver profile, the trim level of your Cruze, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age
Where you live also has a big influence on Chevrolet Cruze insurance prices. A middle-age driver might find rates as low as $900 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,940 on average in New York, Louisiana, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,230 | -$130 | -9.6% |
Alaska | $1,044 | -$316 | -23.2% |
Arizona | $1,130 | -$230 | -16.9% |
Arkansas | $1,360 | -$0 | 0.0% |
California | $1,548 | $188 | 13.8% |
Colorado | $1,300 | -$60 | -4.4% |
Connecticut | $1,400 | $40 | 2.9% |
Delaware | $1,538 | $178 | 13.1% |
Florida | $1,700 | $340 | 25.0% |
Georgia | $1,256 | -$104 | -7.6% |
Hawaii | $976 | -$384 | -28.2% |
Idaho | $920 | -$440 | -32.4% |
Illinois | $1,012 | -$348 | -25.6% |
Indiana | $1,026 | -$334 | -24.6% |
Iowa | $918 | -$442 | -32.5% |
Kansas | $1,294 | -$66 | -4.9% |
Kentucky | $1,856 | $496 | 36.5% |
Louisiana | $2,014 | $654 | 48.1% |
Maine | $840 | -$520 | -38.2% |
Maryland | $1,122 | -$238 | -17.5% |
Massachusetts | $1,088 | -$272 | -20.0% |
Michigan | $2,364 | $1,004 | 73.8% |
Minnesota | $1,138 | -$222 | -16.3% |
Mississippi | $1,630 | $270 | 19.9% |
Missouri | $1,206 | -$154 | -11.3% |
Montana | $1,462 | $102 | 7.5% |
Nebraska | $1,072 | -$288 | -21.2% |
Nevada | $1,630 | $270 | 19.9% |
New Hampshire | $978 | -$382 | -28.1% |
New Jersey | $1,522 | $162 | 11.9% |
New Mexico | $1,204 | -$156 | -11.5% |
New York | $1,434 | $74 | 5.4% |
North Carolina | $782 | -$578 | -42.5% |
North Dakota | $1,114 | -$246 | -18.1% |
Ohio | $940 | -$420 | -30.9% |
Oklahoma | $1,396 | $36 | 2.6% |
Oregon | $1,246 | -$114 | -8.4% |
Pennsylvania | $1,298 | -$62 | -4.6% |
Rhode Island | $1,816 | $456 | 33.5% |
South Carolina | $1,230 | -$130 | -9.6% |
South Dakota | $1,150 | -$210 | -15.4% |
Tennessee | $1,194 | -$166 | -12.2% |
Texas | $1,638 | $278 | 20.4% |
Utah | $1,008 | -$352 | -25.9% |
Vermont | $932 | -$428 | -31.5% |
Virginia | $814 | -$546 | -40.1% |
Washington | $1,052 | -$308 | -22.6% |
West Virginia | $1,246 | -$114 | -8.4% |
Wisconsin | $942 | -$418 | -30.7% |
Wyoming | $1,214 | -$146 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $510 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,600 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 131% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and rates can be significantly different from one company to the next.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2019 Chevrolet Cruze | $248 | $512 | $442 | $1,360 |
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 Find the Best Chevrolet Cruze Insurance
Saving money on insurance for a Chevrolet Cruze consists of avoiding accidents and violations, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around at least once a year by getting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The list below is a brief recap of the primary concepts that were raised in the charts and tables above.
- Drivers can save approximately $160 per year simply by quoting online in advance
- Drivers considered higher risk who tend to receive serious violations pay an average of $1,610 more annually for car insurance
- Increasing deductibles can save around $500 each year
- Teenagers are expensive to insure, costing as high as $435 per month including comprehensive and collision insurance
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 | $5,214 |
20 | $3,174 |
30 | $1,412 |
40 | $1,360 |
50 | $1,244 |
60 | $1,222 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,696 |
$250 | $1,540 |
$500 | $1,360 |
$1,000 | $1,186 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,360 |
50/100 | $1,448 |
100/300 | $1,559 |
250/500 | $1,846 |
100 CSL | $1,493 |
300 CSL | $1,736 |
500 CSL | $1,913 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,430 |
20 | $5,064 |
30 | $3,024 |
40 | $2,968 |
50 | $2,836 |
60 | $2,812 |
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 | $72 |
Multi-vehicle | $74 |
Homeowner | $21 |
5-yr Accident Free | $101 |
5-yr Claim Free | $89 |
Paid in Full/EFT | $62 |
Advance Quote | $68 |
Online Quote | $96 |
Total Discounts | $583 |
Discounts are estimated and may not be available from every company or in every state.
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