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. 

U.S. average auto insurance rates for a Chevrolet Cruze are $1,322 annually for full coverage insurance. Comprehensive insurance costs approximately $238, collision costs $474, and liability is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing $2,882 or more. 16-year-old drivers pay the highest rates at $5,094 a year or more.

Average premium for full coverage: $1,322

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Cruze trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $760
• Raising to $1,000 deductibles will save $160 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,322
• Buying more expensive low deductibles costs an additional $316 every year
• At-risk drivers with multiple tickets or accidents could pay around $2,882 or more
• The price with full coverage for a teen driver with full coverage can cost $5,094

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Auto insurance prices for a Chevrolet Cruze are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $480 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Chevrolet Cruze insurance prices. A middle-age driver might find prices as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,790 on average in Florida, New York, and Michigan.

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Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different between companies.

How to Buy More Affordable Chevrolet Cruze Insurance

Getting lower rates on car insurance consists of being a good driver, having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a summary of the information covered above.

• It is possible to save around $160 per year simply by shopping early and online
• Drivers age 16 to 20 have the highest car insurance prices, as much as $425 a month if full coverage is included
• Increasing physical damage deductibles could save up to $475 each year
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,560 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay around $500 annually to raise from a low limit to higher 250/500 limits

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.