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 insurance rates for a Chevrolet Cruze are $1,360 a year for full coverage. Comprehensive costs on average $248, collision costs $512, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,968. 16-year-old drivers pay the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,360

Price estimates by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Cruze models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.

The example below illustrates how your location can change car insurance rates.

The ranges above show why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $777
• Using higher $1,000 deductibles will save around $174 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,360
• Buying pricier low deductibles for physical damage coverage will increase the cost to $1,696
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,968 or more
• The price for full coverage for a 16-year-old driver for full coverage may cost $5,214 or more

View Chart as Image

Car insurance prices for a Chevrolet Cruze are also quite variable based on your driving record, the trim level of your Cruze, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $5,200 a year. View Rates by Age

The state you live in has a huge impact on Chevrolet Cruze insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or at least $1,940 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $510 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,600 to $2,300 extra each year, depending on your age. Chevrolet Cruze insurance for high-risk drivers can be from 44% to 131% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.

How to Find Low Cost Chevrolet Cruze Insurance

Getting lower rates on insurance for a Chevrolet Cruze requires being a good driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following list is a review of the data illustrated above.

• Insureds who require an increased level of liability coverage will pay around $490 each year to increase from a low limit to 250/500 limits
• Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $500 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $435 a month if full coverage is included

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.