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. 

The average insurance rates for a Chevrolet Cruze are $1,322 a year for full coverage. Comprehensive insurance costs on average $238, collision insurance costs $474, and liability coverage costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs $2,882 or more. Teens cost the most to insure at up to $5,094 a year.

Average premium for full coverage: $1,322

Policy rates by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how your location can change car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using averaged prices.

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

Rate Comparisons

The chart below shows average Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $760
• Drivers who choose higher $1,000 deductibles will pay around $160 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,322
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $316 each year
• High-risk insureds with serious driving violations could pay upwards of $2,882
• Policy cost for full coverage for a teenage driver with full coverage may cost $5,094 a year

View Chart as Image

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

An older driver with a clean driving record and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age

Your home state makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,890 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $480 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per 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 a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

How to Find Cheap Chevrolet Cruze Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to shop around at least once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following list is a brief summary of the primary concepts that were illustrated above.

• Drivers can save as much as $160 per year just by shopping early and online
• Drivers that tend to have accidents or serious violations will pay on average $1,560 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers age 16 to 20 pay the highest rates, costing up to $425 each month for full coverage

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.