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 including full coverage. Comprehensive costs an estimated $238, collision insurance costs $474, and liability is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs around $2,882. 16-year-old drivers cost the most to insure at up to $5,094 a year.

Average premium for full coverage: $1,322

Policy rates broken down by type of insurance:

Prices include $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $760
• Raising to $1,000 deductibles will save approximately $160 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,322
• Buying more expensive low deductibles bumps up the cost to $1,638
• Drivers with multiple tickets or accidents could pay up to $2,882
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $5,094

View Chart as Image

Insurance rates for a Chevrolet Cruze also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 135% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age

Your home state also has a big influence on Chevrolet Cruze insurance prices. A middle-age driver might find rates as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $480 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Chevrolet Cruze Insurance

Finding cheaper rates on insurance for a Chevrolet Cruze consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Comparison shop at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a quick rundown of the data covered in the charts and tables above.

• Insureds who want higher liability limits will pay around $500 per year to raise from a 30/60 limit to the 250/500 level
• You may be able to save approximately $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Teens are expensive to insure, with premiums being up to $425 each month if comprehensive and collision insurance is included

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.