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 auto insurance rates for a Chevrolet Cruze are $1,322 annually including full coverage. Comprehensive costs on average $238 a year, collision costs $474, and liability is estimated at $452. A policy with just liability insurance costs approximately $504 a year, with coverage for high-risk drivers costing around $2,882. 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:

Rate estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects car insurance rates.

These examples highlight why it is important to get quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $760
• Choosing higher $1,000 deductibles can save around $1,162 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,322
• Selecting low $100 deductibles for comp and collision coverage will cost $1,638
• Unlucky drivers with serious driving violations could pay upwards of $2,882 or more
• The cost with full coverage for a teen driver may cost $5,094 each year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Chevrolet Cruze insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,890 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, and rates can be significantly different between companies.

How to Buy the Best Chevrolet Cruze Insurance

Saving money on car insurance takes being a safe and courteous driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop at least once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a brief recap of the primary concepts that were touched on in the above illustrations.

• You may be able to save as much as $160 per year simply by quoting early and online
• Higher risk drivers who tend to receive serious violations pay on average $1,560 more each year for auto insurance
• Increasing deductibles could save up to $475 each year
• Teenage drivers pay higher rates, 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.