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 rates for a Chevrolet Cruze are $1,322 a year for full coverage. Comprehensive insurance costs around $238 a year, collision costs $474, and liability coverage costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing $2,882 or more. Teen drivers cost the most to insure at $5,094 a year or more.

Average premium for full coverage: $1,322

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code, rather than using price averages.

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

Rates by State, City, and Model

The chart below shows estimated Chevrolet Cruze insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $760
• Using higher $1,000 deductibles will save about $1,162 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,322
• Choosing low $100 deductibles for physical damage coverage will cost an additional $316 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,882 or more
• Policy cost that insures a teenage driver can be $5,094 or more

View Chart as Image

Insurance rates for a Chevrolet Cruze also range considerably based on the trim level of your Cruze, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be around 43% to 135% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,000 a year. View Rates by Age

Your home state has a huge impact on Chevrolet Cruze insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,890 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $480 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied.

How to Find the Best Cheap Chevrolet Cruze Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around every other policy renewal by quoting rates from direct carriers, and also from several local insurance agents.

The list below is a quick review of the ideas that were touched on in the above illustrations.

• Teenagers are charged the highest rates, costing up to $425 each month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation pay on average $1,560 more every year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Drivers can save up to $160 per year simply by quoting early and online

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.