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 auto insurance rates for a Chevrolet Cruze are $1,322 annually including full coverage. Comprehensive insurance costs approximately $238 a year, collision insurance costs $474, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs $2,882 or more. Teen drivers pay the highest rates at up to $5,094 a year.

Average premium for full coverage: $1,322

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance prices.

The ranges above highlight why it is important to get quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below breaks down average Chevrolet Cruze insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $760
• Choosing higher $1,000 deductibles can save $1,162 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,322
• Choosing low $100 deductibles for comp and collision coverage costs an additional $316 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,882
• The price with full coverage for a 16-year-old driver can cost $5,094 each year

View Chart as Image

Auto insurance prices for a Chevrolet Cruze are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $480 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

The state you live in 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 Vermont, New Hampshire, and Missouri, or as much as $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Right Chevrolet Cruze Insurance

Getting lower rates on insurance for a Chevrolet Cruze takes being a low-risk driver, having above-average credit, being claim-free, and possibly higher deductibles. Set aside time to shop around at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The items below are a quick rundown of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,560 more per year to insure their Cruze
• You may be able to save around $160 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $475 each year
• Insureds who purchase more liability coverage will pay about $500 per year to raise limits from a low limit to higher 250/500 limits

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.