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. 

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

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.

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

View Chart as Image

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.

View Chart as Image

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.

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.

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.