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. 

Estimated auto insurance rates for a Chevrolet Cruze are $1,360 annually for full coverage. Comprehensive costs approximately $248, collision insurance costs $512, and liability costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs around $2,968. Teenage drivers pay the most at up to $5,214 a year.

Average premium for full coverage: $1,360

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different Cruze trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.

These rate differences show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below shows average Chevrolet Cruze insurance rates for additional coverage and risk scenarios.

• The best discount rate is $777
• Using higher $1,000 deductibles will save $174 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,360
• Using more expensive low deductibles for physical damage coverage will cost $1,696
• Drivers who are prone to accidents and violations could pay around $2,968
• An auto insurance policy with full coverage for a teen driver with full coverage can cost $5,214 or more

View Chart as Image

Car insurance prices for a Chevrolet Cruze also have a wide range based on the model of your Cruze, your driver profile, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance can be as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $510 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Chevrolet Cruze insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,940 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy Cheaper Chevrolet Cruze Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and attention to physical damage deductibles. Invest time comparing rates every other policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

The points below are a condensed summary of the ideas that were covered in the charts and tables above.

• Drivers under the age of 20 pay the highest auto insurance prices, as much as $435 per month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents pay on average $1,610 more per year to insure a Chevrolet Cruze
• Increasing policy deductibles could save up to $500 each year
• Drivers can save around $160 per year just 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.