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 auto insurance rates for a Chevrolet Cruze are $1,360 annually including full coverage. Comprehensive insurance costs an estimated $248 a year, collision insurance costs $512, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs $2,968 or more. Teens pay the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Price estimates broken down by individual coverage:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Cruze trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects insurance prices.

The ranges above highlight why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Rate Comparisons

The chart below breaks down average Chevrolet Cruze insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $777
• Using higher $1,000 deductibles will save approximately $1,186 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,360
• Selecting low $100 deductibles for physical damage coverage costs an additional $336 a year
• Drivers with serious driving violations could pay up to $2,968
• The price with full coverage for a teen driver can cost as much as $5,214 or more

View Chart as Image

Insurance prices for a Chevrolet Cruze are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,600 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Chevrolet Cruze insurance rates. A driver around age 40 might see prices as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,940 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy Cheaper Chevrolet Cruze Insurance

Getting lower rates on Chevrolet Cruze insurance requires being a low-risk driver, having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates every couple of years by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a condensed summary of the material that was presented in the illustrations above.

• Drivers who want more liability coverage will pay approximately $490 per year to increase from a low limit to higher 250/500 limits
• Teen drivers are charged the highest prices, possibly costing $435 a month including comprehensive and collision insurance
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,610 more annually to insure their Cruze
• Increasing physical damage deductibles could save up to $500 each year

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.