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 prices for a Chevrolet Cruze are $1,322 every 12 months for full coverage insurance. Comprehensive insurance costs on average $238 a year, collision insurance costs $474, and liability costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs $2,882 or more. 16-year-old drivers cost the most to insure at up to $5,094 a year.

Average premium for full coverage: $1,322

Policy rates by type of insurance:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities. The diagram below illustrates how where you live affects car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below illustrates average Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $760
• Using higher $1,000 deductibles will save around $1,162 each year
• The average price for a good driver age 40 with $500 deductibles is $1,322
• Buying low $100 deductibles for physical damage coverage costs an extra $316 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,882
• Policy cost to insure a 16-year-old driver may cost $5,094 or more

View Chart as Image

Insurance rates for a Chevrolet Cruze also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Cruze.

Opting for high physical damage deductibles could cut rates by as much as $480 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 135% more than the average rate. View High Risk Driver Rates

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 Vermont, Wisconsin, and North Carolina, or at least $1,790 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Right Chevrolet Cruze Insurance

Finding cheaper rates on insurance for a Chevrolet Cruze requires being a good driver, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Take the time to comparison shop every other policy renewal by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following list is a quick rundown of the ideas that were touched on in the above illustrations.

• Drivers age 16 to 20 pay higher rates, possibly costing $425 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,560 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• It is possible to save as much as $160 per year just by quoting 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.