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 $1,322 a year with full coverage. Comprehensive insurance costs on average $238 each year, collision costs $474, and liability is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing $2,882 or more. Teenage drivers cost the most to insure at $5,094 a year or more.

Average premium for full coverage: $1,322

Policy rates by type of insurance:

Rates are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Cruze models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $760
• Raising to $1,000 deductibles will save around $160 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,322
• Using low deductibles will cost an additional $316 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,882 or more
• Policy cost that insures a teen driver may cost $5,094

View Chart as Image

Car insurance rates for a Chevrolet Cruze also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

Your home state also has a big influence on Chevrolet Cruze insurance prices. A middle-age driver might find rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,790 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $480 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

How to Find the Best Cheap Chevrolet Cruze Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare prices every time your policy renews by getting quotes from direct companies, and also from several local insurance agents.

The following is a quick review of the information covered in the above illustrations.

• You may be able to save as much as $160 per year simply by quoting online in advance
• Teens are expensive to insure, as much as $425 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,560 more each year for Cruze insurance
• Policyholders who require higher liability limits will pay an extra $500 every year to raise from a 30/60 limit to the 250/500 level

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.