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 prices for a Chevrolet Cruze are $1,322 every 12 months with full coverage. Comprehensive insurance costs an estimated $238 each year, collision insurance costs $474, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs $2,882 or more. Teen drivers receive the highest rates at up to $5,094 a year.

Average premium for full coverage: $1,322

Rate estimates broken down by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than larger metro areas. The graphic below illustrates how geographic area affects insurance prices.

These examples demonstrate why all drivers should get quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Rate Details

The chart below details average Chevrolet Cruze insurance rates for other coverage scenarios.

• The lowest rate with discounts is $760
• Choosing higher $1,000 deductibles can save approximately $160 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,322
• Choosing low deductibles for comp and collision coverage costs an extra $316 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,882
• The cost to insure a teen driver can cost as much as $5,094 each year

View Chart as Image

Insurance rates for a Chevrolet Cruze can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Choosing high deductibles can save as much as $480 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 135% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Chevrolet Cruze insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,790 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for the Cheapest Chevrolet Cruze Insurance

Saving money on Chevrolet Cruze insurance takes being a good driver, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $160 per year just by quoting online in advance
• High-risk drivers that have major violations or accidents may pay on average $1,560 more annually than a safer driver
• Increasing deductibles could save as much as $475 each year
• Drivers age 16 to 20 are charged the highest rates, with premiums as much as $425 per month if they have full coverage

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.