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, collision costs $474, and liability coverage is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing $2,882 or more. Teens pay the highest rates at $5,094 a year or more.

Average premium for full coverage: $1,322

Price estimates by individual coverage:

Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Cruze trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $760
• Choosing higher $1,000 deductibles can save $160 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,322
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $316 each year
• Drivers with serious driving violations could pay around $2,882 or more
• The price with full coverage for a teenage driver with full coverage can cost $5,094 each 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.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared 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 additional each year, depending on your age. High-risk driver insurance ranges around 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 a year, while increasing your policy's 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 each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Chevrolet Cruze insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $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 compare prices and see how they stack up. Each auto insurer calculates prices differently, and prices may be quite different between companies.

How to Buy Low Cost Chevrolet Cruze Insurance

Getting lower rates on auto insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a review of the ideas that were touched on above.

• Drivers age 20 and younger are the costliest to insure, costing up to $425 a month if they have full coverage
• Drivers who have several accidents or serious violations may pay on average $1,560 more per year to buy Chevrolet Cruze insurance
• Increasing physical damage deductibles could save up to $475 each year
• You may be able to save around $160 per year simply by shopping early and online

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.