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. 

Average insurance prices for a Chevrolet Cruze are $1,322 every 12 months including full coverage. Comprehensive costs around $238 each year, collision costs $474, and liability is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $2,882. Teens receive the highest rates at $5,094 a year or more.

Average premium for full coverage: $1,322

Rate estimates for individual coverage type:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

More Rate Information

The chart below breaks down estimated Chevrolet Cruze insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $760
• Choosing higher $1,000 deductibles can save about $160 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,322
• Selecting low deductibles for comp and collision coverage increases the price to $1,638
• Unlucky drivers with serious driving violations could pay at least $2,882 or more
• The cost to insure a teen driver can be $5,094 each year

View Chart as Image

Auto insurance rates for a Chevrolet Cruze can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 135% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Chevrolet Cruze insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,890 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates can be significantly different.

How to Shop for More Affordable Chevrolet Cruze Insurance

Saving money on car insurance takes being safe and accident-free, having a good credit score, not filing small claims, and maximizing policy discounts. Take the time to compare rates every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a summary of the ideas that were covered in the above illustrations.

• Youthful drivers are expensive to insure, as much as $425 per month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,560 more every year than a low-risk driver
• Increasing deductibles could save as much as $475 each year
• You may be able to save up to $160 per year simply by quoting online in advance

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.