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 insurance prices for a Chevrolet Cruze are $1,360 every 12 months with full coverage. Comprehensive insurance costs around $248 a year, collision insurance costs $512, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs $2,968 or more. Teenage drivers pay the most at up to $5,214 a year.

Average premium for full coverage: $1,360

Premium estimates for type of coverage:

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and Cruze trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own driving history, rather than using average rates.

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

Additional Charts and Tables

The chart below details average Chevrolet Cruze insurance rates for additional coverage choices and driver risks.

• The best discount rate is $777
• Using higher $1,000 deductibles will save about $1,186 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,360
• Using low $100 deductibles for physical damage coverage costs an extra $336 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,968
• An auto insurance policy to insure a teenage driver can be $5,214 or more

View Chart as Image

Insurance prices for a Chevrolet Cruze also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Using high physical damage deductibles could cut prices by as much as $510 a year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Chevrolet Cruze insurance rates. A driver around age 40 might see prices as low as $980 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,840 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Chevrolet Cruze Insurance

Finding better rates on auto insurance requires being a low-risk driver, having good credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around at least once a year by getting rate quotes from direct companies, and also from several local insurance agents.

The items below are a brief recap of the primary concepts that were touched on above.

• You may be able to save up to $160 per year just by quoting early and online
• Drivers who tend to receive serious violations pay on average $1,610 more every year to insure their Cruze
• Increasing policy deductibles could save as much as $500 each year
• Teen drivers pay higher prices, possibly costing $435 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.