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. 

The average insurance rates for a Chevrolet Cruze are $1,360 a year including full coverage. Comprehensive costs on average $248 a year, collision insurance costs $512, and liability insurance costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $2,968. Teen drivers cost the most to insure at up to $5,214 a year.

Average premium for full coverage: $1,360

Policy rates by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference location can make on car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $777
• Drivers who choose higher $1,000 deductibles will pay around $1,186 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,360
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,696
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,968
• Policy cost that insures a teen driver may cost $5,214 a year

View Chart as Image

Insurance rates for a Chevrolet Cruze also range considerably based on the trim level of your Cruze, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age

Your home state makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $510 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Chevrolet Cruze Insurance

Finding cheaper rates on Chevrolet Cruze insurance not only requires being safe and accident-free, but also having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Shop around every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a recap of the material that was touched on in this article.

• Drivers who require more liability protection will pay about $490 per year to go from a 30/60 limit to the 250/500 level
• Youthful drivers pay higher rates, with premiums being up to $435 each month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,610 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $500 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.