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 insurance prices for a Chevrolet Cruze are $1,322 every 12 months for full coverage insurance. Comprehensive insurance costs on average $238, collision costs $474, and liability coverage costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage 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:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Cruze trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location impacts car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using averaged prices.

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

More Rate Details

The chart below illustrates estimated Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $760
• Drivers who choose higher $1,000 deductibles will pay around $160 each year
• The average price for the average middle-age driver with $500 deductibles is $1,322
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $316 each year
• High-risk insureds with serious driving violations could pay upwards of $2,882 or more
• The price to insure a teenage driver with full coverage may cost $5,094 a year

View Chart as Image

Auto insurance prices for a Chevrolet Cruze are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Cruze.

Choosing higher comprehensive and collision insurance deductibles could save up to $480 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

The state you live in 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 Vermont, Wisconsin, and North Carolina, or have to pay at least $1,790 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Every company calculates prices differently, and quoted prices may be quite different.

How to Shop for Cheap Chevrolet Cruze Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having a good credit score, not filing small claims, and taking advantage of discounts. Spend time shopping around at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief summary of the concepts that were touched on above.

• Drivers that tend to have accidents or serious violations pay on average $1,560 more each year to buy Chevrolet Cruze insurance
• Drivers age 20 and younger are charged the highest prices, as much as $425 a month if comprehensive and collision insurance is included
• It is possible to save as much as $160 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $475 each year
• It is possible to save as much as $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.