Chevrolet Cruze Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 29, 2024

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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

The average insurance rates for a Chevrolet Cruze are $1,380 a year for full coverage. Comprehensive insurance costs around $262, collision insurance costs $530, and liability costs $430. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs $3,006 or more. Teens cost the most to insure at up to $5,246 a year.

Average premium for full coverage: $1,380

Policy rates for type of insurance:

Comprehensive $262
Collision $530
Liability $430

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Cruze trim levels.

Price Range Variability

For an average driver, Chevrolet Cruze insurance rates range from as low as $486 for a discount liability-only rate to a much higher rate of $3,006 for a high-risk driver policy.

Liability Only $486
Full Coverage $1,380
High Risk $3,006

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,035
Small Cities $1,449
Large Cities $1,863

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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.

Rates by State, City, and Model

The chart below shows average Chevrolet Cruze insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $789
  • Drivers who choose higher $1,000 deductibles will pay about $178 a year
  • The average rate for a good driver age 40 using $500 deductibles is $1,380
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $352 annually
  • Drivers with serious driving violations could pay at least $3,006
  • Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,246 a year

View Chart as Image

Chevrolet Cruze insurance cost comparison chart
Column chart showing Chevrolet Cruze insurance prices range from $789 to $5,246 for full coverage

Auto insurance rates for a Chevrolet Cruze also range considerably based on your risk profile, the trim level of your Cruze, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age

Your home state makes a big difference in Chevrolet Cruze insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,970 on average in Michigan, Louisiana, and New York.

Chevrolet Cruze Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,248 -$132 -9.6%
Alaska $1,060 -$320 -23.2%
Arizona $1,146 -$234 -17.0%
Arkansas $1,380 -$0 0.0%
California $1,574 $194 14.1%
Colorado $1,318 -$62 -4.5%
Connecticut $1,420 $40 2.9%
Delaware $1,564 $184 13.3%
Florida $1,726 $346 25.1%
Georgia $1,274 -$106 -7.7%
Hawaii $990 -$390 -28.3%
Idaho $932 -$448 -32.5%
Illinois $1,028 -$352 -25.5%
Indiana $1,040 -$340 -24.6%
Iowa $932 -$448 -32.5%
Kansas $1,312 -$68 -4.9%
Kentucky $1,882 $502 36.4%
Louisiana $2,042 $662 48.0%
Maine $850 -$530 -38.4%
Maryland $1,136 -$244 -17.7%
Massachusetts $1,106 -$274 -19.9%
Michigan $2,398 $1,018 73.8%
Minnesota $1,156 -$224 -16.2%
Mississippi $1,652 $272 19.7%
Missouri $1,226 -$154 -11.2%
Montana $1,484 $104 7.5%
Nebraska $1,088 -$292 -21.2%
Nevada $1,652 $272 19.7%
New Hampshire $996 -$384 -27.8%
New Jersey $1,544 $164 11.9%
New Mexico $1,222 -$158 -11.4%
New York $1,454 $74 5.4%
North Carolina $796 -$584 -42.3%
North Dakota $1,130 -$250 -18.1%
Ohio $954 -$426 -30.9%
Oklahoma $1,418 $38 2.8%
Oregon $1,264 -$116 -8.4%
Pennsylvania $1,316 -$64 -4.6%
Rhode Island $1,840 $460 33.3%
South Carolina $1,250 -$130 -9.4%
South Dakota $1,164 -$216 -15.7%
Tennessee $1,210 -$170 -12.3%
Texas $1,664 $284 20.6%
Utah $1,022 -$358 -25.9%
Vermont $946 -$434 -31.4%
Virginia $828 -$552 -40.0%
Washington $1,066 -$314 -22.8%
West Virginia $1,264 -$116 -8.4%
Wisconsin $956 -$424 -30.7%
Wyoming $1,230 -$150 -10.9%

View Chart as Image

Chevrolet Cruze insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $530 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can cost from 44% to 137% more than the average policy. View High Risk Driver Rates

Chevrolet Cruze Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Chevrolet Cruze $262 $530 $430 $1,380
2019 Chevrolet Cruze $248 $512 $442 $1,360
2018 Chevrolet Cruze $238 $474 $452 $1,322
2017 Chevrolet Cruze $230 $446 $456 $1,290
2016 Chevrolet Cruze $220 $400 $460 $1,238
2015 Chevrolet Cruze $206 $368 $460 $1,192
2014 Chevrolet Cruze $198 $346 $464 $1,166
2013 Chevrolet Cruze $194 $322 $474 $1,148
2012 Chevrolet Cruze $180 $300 $474 $1,112
2011 Chevrolet Cruze $174 $272 $478 $1,082

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

Finding cheaper rates on insurance for a Chevrolet Cruze not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a summary of the information covered in the above illustrations.

  • Drivers can save up to $170 per year just by shopping early and online
  • Youthful drivers are expensive to insure, costing up to $437 each month if they have full coverage
  • Increasing comprehensive and collision deductibles can save around $525 each year
  • Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,630 more every year than a low-risk driver
  • Insureds who may need more liability protection will pay approximately $470 each year to go from a 30/60 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.

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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

Rates by Driver Age

Chevrolet Cruze Insurance Rates by Driver Age
Driver Age Premium
16 $5,246
20 $3,216
30 $1,434
40 $1,380
50 $1,264
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

Chevrolet Cruze Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,732
$250 $1,566
$500 $1,380
$1,000 $1,202

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Cruze Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,380
50/100 $1,466
100/300 $1,574
250/500 $1,853
100 CSL $1,509
300 CSL $1,746
500 CSL $1,918

Full coverage, driver age 40

Rates for High Risk Drivers

Chevrolet Cruze Insurance Rates for High Risk Drivers
Age Premium
16 $7,482
20 $5,124
30 $3,066
40 $3,006
50 $2,872
60 $2,848

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.

SR-22 Surcharge $197

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $103
5-yr Claim Free $90
Paid in Full/EFT $63
Advance Quote $69
Online Quote $98
Total Discounts $591
Rate after discounts $789

Discounts are estimated and may not be available from every company or in every state.

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