Chevrolet Cruze Insurance Rates
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UPDATED: Dec 1, 2021
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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 auto insurance rates for a Chevrolet Cruze are $1,380 annually for full coverage insurance. Comprehensive insurance costs on average $262 each year, collision costs $530, and liability is estimated at $430. A policy with just liability insurance costs approximately $486 a year, with coverage for high-risk drivers costing $3,006 or more. 16-year-old drivers pay the highest rates at $5,246 a year or more.
Average premium for full coverage: $1,380
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Cruze models.
Price Range from Low to High
Using a middle-aged driver as an example, Chevrolet Cruze insurance prices go from as cheap as $486 for the bare minimum liability coverage to a high rate of $3,006 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas have fewer physical damage claims than congested cities.
The graphic below illustrates how where you live affects car insurance rates.
The ranges above illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate 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.
Additional Rate Information
The chart below illustrates estimated Chevrolet Cruze insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $789
- Choosing higher $1,000 deductibles can save around $178 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,380
- Buying low deductibles for comp and collision coverage costs an additional $352 annually
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,006 or more
- The price with full coverage for a 16-year-old driver may cost $5,246 each year
Insurance prices for a Chevrolet Cruze are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $5,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $530 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Chevrolet Cruze insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,860 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different between companies.
|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 Buy the Best Cheap Chevrolet Cruze Insurance
Getting lower rates on insurance for a Chevrolet Cruze takes having a decent driving record, having a good credit history, not filing small claims, and bundling your home and auto policies. Take the time to comparison shop once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a quick review of the data that was touched on in the above illustrations.
- It is possible to save as much as $170 per year simply by quoting online in advance
- Insureds who require additional liability coverage will pay around $470 annually to raise limits from a low limit to higher 250/500 limits
- 16 to 18-year-old drivers pay the highest prices, as much as $437 a month including comprehensive and collision insurance
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,630 more each year than a driver with a clean driving record
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.
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