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 $1,322 annually with full coverage. Comprehensive insurance costs approximately $238 each year, collision costs $474, and liability costs $452. A policy with just liability insurance costs as little as $504 a year, with coverage for high-risk drivers costing $2,882 or more. Teenage drivers pay the highest rates at $5,094 a year or more.

Average premium for full coverage: $1,322

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Cruze models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. Rural locations have fewer collision claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

The chart below details estimated Chevrolet Cruze insurance rates for additional coverage and risk scenarios.

• The best discount rate is $760
• Drivers who choose higher $1,000 deductibles will pay $160 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,322
• Using low deductibles for comprehensive and collision insurance costs an additional $316 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,882 or more
• The price with full coverage for a teen driver can cost $5,094 a year

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $480 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Chevrolet Cruze insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,790 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, so the prices may be quite different between companies.

How to Buy Cheaper Chevrolet Cruze Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a condensed summary of the primary concepts that were illustrated above.

• You may be able to save around $160 per year simply by quoting online in advance
• Higher risk drivers with multiple at-fault accidents may pay on average $1,560 more per year to insure a Chevrolet Cruze
• Increasing physical damage deductibles could save up to $475 each year
• Drivers under the age of 20 are expensive to insure, costing up to $425 a month including comprehensive and collision insurance

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.