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. 

The average insurance prices for a Chevrolet Cruze are $1,322 every 12 months for full coverage insurance. Comprehensive costs approximately $238 each year, collision insurance costs $474, and liability coverage is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs around $2,882. Teenage drivers cost the most to insure at up to $5,094 a year.

Average premium for full coverage: $1,322

Policy rates by type of insurance:

Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Cruze models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Chevrolet Cruze insurance rates for additional coverage and risk scenarios.

• The best discount rate is $760
• Raising to $1,000 deductibles will save $160 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,322
• Using low deductibles increases the price to $1,638
• Unlucky drivers who are prone to accidents and violations could pay around $2,882
• Policy cost to insure a teenage driver can cost $5,094

View Chart as Image

Insurance rates for a Chevrolet Cruze also range considerably based on liability limits and deductibles, your risk profile, and the model of your Cruze.

Using high physical damage deductibles can reduce rates by up to $480 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Chevrolet Cruze insurance rates. A middle-age driver might find rates as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,790 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Best Chevrolet Cruze Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and consideration of higher deductibles. Invest time comparing rates every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below is a brief recap of the information covered in the charts and tables above.

• It is possible to save around $160 per year just by quoting online in advance
• Teenage drivers are the costliest to insure, possibly costing $425 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Drivers who tend to receive serious violations may have to pay on average $1,560 more per year for auto insurance
• Consumers who purchase higher levels of liability will pay an extra $500 annually to raise from a 30/60 limit to a 250/500 level

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.