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. 

Average insurance rates for a Chevrolet Cruze are $1,322 a year with full coverage. Comprehensive insurance costs on average $238, collision costs $474, and liability coverage costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing $2,882 or more. Teens receive the highest rates at $5,094 a year or more.

Average premium for full coverage: $1,322

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for all Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas tend to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples demonstrate why everyone should compare rates based on a specific location, rather than using averaged prices.

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

Additional Rate Details

The chart below details estimated Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $760
• Drivers who choose higher $1,000 deductibles will pay around $160 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,322
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $316 each year
• High-risk insureds with serious driving violations could pay upwards of $2,882 or more
• The cost that insures a teenage driver for full coverage may cost $5,094 a year

View Chart as Image

Car insurance rates for a Chevrolet Cruze can also vary considerably based on the model of your Cruze, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 extra per year, depending on your age. Chevrolet Cruze insurance for high-risk drivers can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

Where you live makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,790 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $480 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every company calculates rates differently, so rate quotes can be significantly different.

How to Find Affordable Chevrolet Cruze Insurance

Saving money on auto insurance not only requires being a good driver, but also having a positive credit history, eliminating unnecessary coverage, and maximizing policy discounts. Compare rates once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief review of the data that was covered above.

• You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
• Consumers who require an increased level of liability coverage will pay approximately $500 every year to go from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $425 per month if full coverage is purchased
• Drivers with DUI or reckless driving convictions pay on average $1,560 more each year than a safer driver

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.