Chevrolet Cruze Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,380 a year for full coverage. Comprehensive insurance costs around $262 each year, collision costs $530, and liability coverage is $430. Buying just liability costs around $486 a year, with insurance for high-risk drivers costing $3,006 or more. Teen drivers pay the highest rates at $5,246 a year or more.
Average premium for full coverage: $1,380
Price estimates for individual coverage:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Cruze models.
Price Range from Low to High
For a driver around age 40, Chevrolet Cruze insurance prices go from as low as $486 for your basic liability-only policy to a high rate of $3,006 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above show why all drivers should compare rates quotes for a specific zip code and risk profile, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Chevrolet Cruze insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $789
- Raising to $1,000 deductibles will save about $178 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,380
- Choosing low deductibles will cost an extra $352 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,006 or more
- The price for full coverage for a teenage driver can be $5,246
Insurance prices for a Chevrolet Cruze are also quite variable based on your driving record, the trim level of your Cruze, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,200 a year. View Rates by Age
The state you live in also has a big influence on Chevrolet Cruze insurance rates. A middle-age driver might find prices as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,970 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles can reduce prices by up to $530 a year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 137% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and prices may be quite different from one company to the next.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2019 Chevrolet Cruze||$262||$530||$430||$1,380|
|2017 Chevrolet Cruze||$238||$474||$452||$1,322|
|2016 Chevrolet Cruze||$230||$446||$456||$1,290|
|2015 Chevrolet Cruze||$220||$400||$460||$1,238|
|2014 Chevrolet Cruze||$206||$368||$460||$1,192|
|2013 Chevrolet Cruze||$198||$346||$464||$1,166|
|2012 Chevrolet Cruze||$194||$322||$474||$1,148|
|2011 Chevrolet Cruze||$180||$300||$474||$1,112|
Rates are averaged for all Chevrolet Cruze models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Chevrolet Cruze Insurance
Getting lower rates on auto insurance consists of avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every other policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The points below are a summary of the ideas that were covered above.
- Drivers under the age of 20 are charged the highest prices, with premiums as much as $437 a month including comprehensive and collision insurance
- Drivers who have multiple accidents or major violations may be required to pay an average of $1,630 more every year to insure a Chevrolet Cruze
- Increasing physical damage deductibles can save around $525 each year
- Drivers can save up to $170 per year simply by quoting online in advance
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.
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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:
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$103|
|5-yr Claim Free||$90|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.