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 insurance rates for a Chevrolet Cruze are $1,360 a year for full coverage insurance. Comprehensive costs approximately $248 a year, collision insurance costs $512, and liability coverage is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs around $2,968. Teens receive the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

These examples illustrate why it is important to get quotes using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $777
• Choosing higher $1,000 deductibles can save $1,186 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,360
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,696
• Drivers with serious driving violations could pay around $2,968
• The cost for full coverage for a teenage driver can cost $5,214 each year

View Chart as Image

Auto insurance rates for a Chevrolet Cruze can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live plays a big part in determining prices for Chevrolet Cruze insurance rates. A good driver about age 40 could pay as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,840 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 131% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Chevrolet Cruze Insurance

Saving money on auto insurance takes having a decent driving record, having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop at least every other year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following items are a summary of the car insurance concepts touched on in the above illustrations.

• Drivers who have multiple accidents or major violations may pay on average $1,610 more per year than a driver with a clean driving record
• It is possible to save around $160 per year just by quoting early and online
• Increasing deductibles can save around $500 each year
• Consumers who purchase additional liability coverage will pay approximately $490 annually to raise limits from a minimum limit to 250/500 limits

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.