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 auto insurance rates for a Chevrolet Cruze are $1,322 annually for full coverage. Comprehensive costs an estimated $238, collision insurance costs $474, and liability costs around $452. A liability-only policy costs as low as $504 a year, and high-risk insurance costs around $2,882. Teenage drivers cost the most to insure at up to $5,094 a year.

Average premium for full coverage: $1,322

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Cruze models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below shows average Chevrolet Cruze insurance rates for other coverage scenarios.

• The best discount rate is $760
• Using higher $1,000 deductibles will save approximately $160 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,322
• Using pricier low deductibles for physical damage coverage will cost $1,638
• High-risk insureds who are prone to accidents and violations could pay up to $2,882
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,094 or more

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Car insurance rates for a Chevrolet Cruze also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,600 to $2,200 extra every year, depending on your age. Chevrolet Cruze insurance for high-risk drivers can be from 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $480 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Chevrolet Cruze insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,890 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy the Best Chevrolet Cruze Insurance

Finding cheaper rates on insurance for a Chevrolet Cruze requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a brief recap of the car insurance concepts covered above.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,560 more annually to insure a Chevrolet Cruze
• Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Insureds who want increased liability limits will pay an extra $500 each year to increase from a 30/60 limit to higher 250/500 limits

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.