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 auto insurance rates for a Chevrolet Cruze are $1,322 annually for full coverage insurance. Comprehensive insurance costs an estimated $238 a year, collision costs $474, and liability insurance costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing $2,882 or more. Teenage drivers cost the most to insure at $5,094 a year or more.

Average premium for full coverage: $1,322

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Cruze trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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

More Rate Details

The chart below illustrates estimated Chevrolet Cruze insurance rates for other coverage scenarios.

• The best discount rate is $760
• Drivers who choose higher $1,000 deductibles will pay approximately $1,162 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,322
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $316 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,882 or more
• Policy cost with full coverage for a teen driver can cost as much as $5,094 a year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $480 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,790 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied between companies.

How to Buy the Best Chevrolet Cruze Insurance

Finding cheaper rates on Chevrolet Cruze insurance not only requires having a decent driving record, but also having a good credit history, being claim-free, and taking advantage of discounts. Make time to compare rates every year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief recap of the coverage data touched on in this article.

• It is possible to save approximately $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $475 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $425 each month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations may pay on average $1,560 more annually than a driver with a clean driving record

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.