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. 

Estimated auto insurance rates for a Chevrolet Cruze are $1,322 annually including full coverage. Comprehensive costs an estimated $238 a year, collision costs $474, and liability costs $452. A policy with only liability insurance costs as little as $504 a year, with a high-risk policy costing around $2,882. Teens pay the most at $5,094 a year or more.

Average premium for full coverage: $1,322

Premium estimates broken down by type of coverage:

Price estimates include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Cruze trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences highlight why it is important to compare rates for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Chevrolet Cruze insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $760
• Drivers who choose higher $1,000 deductibles will pay approximately $1,162 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,322
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,638
• Higher-risk drivers with serious driving violations could pay up to $2,882 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $5,094 a year

View Chart as Image

Car insurance prices for a Chevrolet Cruze also have a wide range based on the model of your Cruze, your driving characteristics, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $480 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Chevrolet Cruze insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Every company calculates prices differently, so rate quotes will be substantially different between companies.

How to Buy Cheaper Chevrolet Cruze Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, refrain from filing small claims, and not having any coverage lapses. Set aside time to shop around every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a condensed summary of the material that was raised in the charts and tables above.

• Policyholders who want higher liability limits will pay approximately $500 per year to go from 30/60 bodily injury limits to higher 250/500 limits
• Teens have the highest car insurance prices, with the cost nearing $425 per month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,560 more annually for Cruze insurance
• Increasing policy deductibles could save up to $475 each year

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.