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. 

Estimated insurance rates for a Chevrolet Cruze are $1,322 a year for full coverage. Comprehensive insurance costs on average $238 each year, collision insurance costs $474, and liability costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs $2,882 or more. Teen drivers pay the most at up to $5,094 a year.

Average premium for full coverage: $1,322

Premium estimates by type of coverage:

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Cruze models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas. The graphic below illustrates the difference location can make on car insurance rates.

These rate differences show why all drivers should compare rates based on a specific location, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below shows average Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $760
• Drivers who choose higher $1,000 deductibles will pay around $160 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,322
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $316 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,882
• An auto insurance policy that insures a 16-year-old driver may cost $5,094 a year

View Chart as Image

Auto insurance prices for a Chevrolet Cruze also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 135% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $5,000 a year. View Rates by Age

Where you choose to live makes a big difference in Chevrolet Cruze insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,890 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $480 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Chevrolet Cruze Insurance

Finding better rates on insurance for a Chevrolet Cruze not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Shop around every year by requesting rates from direct carriers, and also from local exclusive and independent agents.

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

• Drivers can save as much as $160 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $475 each year
• Teens are charged the highest prices, as much as $425 per month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,560 more each year for Cruze insurance

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.