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 with full coverage. Comprehensive costs around $238, collision costs $474, and liability insurance is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $2,882. Teens receive the highest rates at $5,094 a year or more.

Average premium for full coverage: $1,322

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $760
• Raising to $1,000 deductibles will save about $160 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,322
• Selecting more expensive low deductibles will cost $1,638
• Higher-risk drivers with serious driving violations could pay at least $2,882 or more
• The cost with full coverage for a teen driver with full coverage can be $5,094

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Chevrolet Cruze insurance rates. A middle-age driver might find rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,790 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, so the rates can be significantly different between companies.

How to Buy the Best Chevrolet Cruze Insurance

Saving money on Chevrolet Cruze insurance consists of avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates every other policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief recap of the ideas that were presented in the illustrations above.

• Teenagers pay higher rates, with premiums as much as $425 per month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations may pay on average $1,560 more every year for car insurance
• Increasing deductibles could save up to $475 each year
• You may be able to save up to $160 per year simply by shopping early and online

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.