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. 

U.S. average insurance rates for a Chevrolet Cruze are $1,360 a year including full coverage. Comprehensive insurance costs an estimated $248 each 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 $2,968 or more. 16-year-old drivers pay the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Cruze models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how location helps determine insurance prices.

The ranges above highlight why all drivers should compare rates for a targeted area, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $777
• Drivers who choose higher $1,000 deductibles will pay approximately $174 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,360
• Buying low deductibles for comprehensive and collision insurance will cost an additional $336 a year
• High risk drivers with multiple tickets or accidents could pay up to $2,968
• The price that insures a teen driver can cost as much as $5,214 a year

View Chart as Image

Auto insurance prices for a Chevrolet Cruze are also quite variable based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,600 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age

The state you live in 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 Vermont, New Hampshire, and Missouri, or at least $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $510 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Chevrolet Cruze Insurance

Getting lower rates on Chevrolet Cruze insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, being claim-free, and consideration of higher deductibles. Comparison shop every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief recap of the material that was covered in the charts and tables above.

• Drivers who want increased liability limits will pay around $490 per year to go from a low limit to the 250/500 level
• Drivers under the age of 20 are the costliest to insure, possibly costing $435 a month if the policy includes full coverage
• High-risk drivers who tend to receive serious violations could be charged and average of $1,610 more annually to insure a Chevrolet Cruze
• Increasing physical damage 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.