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 an estimated $238, collision insurance costs $474, and liability insurance costs $452. A policy with just liability insurance costs as little as $504 a year, and coverage for high-risk drivers costs around $2,882. Teen drivers receive the highest rates at up to $5,094 a year.

Average premium for full coverage: $1,322

Rate estimates broken down by individual coverage type:

Full coverage includes $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.

These examples highlight why everyone should compare rates for a targeted area and their own personal driving habits, 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 other coverage scenarios.

• The lowest rate with discounts is $760
• Drivers who choose higher $1,000 deductibles will pay approximately $160 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,322
• Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,638
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,882
• The cost with full coverage for a teen driver for full coverage can cost as much as $5,094 a year

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

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,200 additional per year, depending on your age. Chevrolet Cruze insurance for high-risk drivers can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $480 each year, whereas buying more liability protection will increase premiums. 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 makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy More Affordable Chevrolet Cruze Insurance

Saving money on Chevrolet Cruze insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates every couple of years by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a summary of the material that was presented in the illustrations above.

• Drivers who want higher liability limits will pay about $500 per year to go from a minimum limit to higher 250/500 limits
• Teens are expensive to insure, as much as $425 per month if they have full coverage
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,560 more annually for Cruze insurance
• Increasing 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.