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 rates for a Chevrolet Cruze are $1,360 a year including full coverage. Comprehensive insurance costs around $248, collision costs $512, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing $2,968 or more. 16-year-old drivers receive the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,360

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates how where you live affects auto insurance rates.

These examples highlight why everyone should compare prices for a specific zip code, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $777
• Using higher $1,000 deductibles will save about $174 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,360
• Buying pricier low deductibles for physical damage coverage will cost an additional $336 annually
• High-risk insureds with multiple tickets or accidents could pay at least $2,968 or more
• The cost that insures a 16-year-old driver for full coverage can be $5,214 or more

View Chart as Image

Insurance rates for a Chevrolet Cruze can also vary considerably based on the model of your Cruze, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,600 to $2,300 extra per year, depending on your age. Chevrolet Cruze insurance for high-risk drivers can be from 44% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $5,200 a year. View Rates by Age

Where you live has a huge impact on Chevrolet Cruze insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $510 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates can be significantly different.

How to Find More Affordable Chevrolet Cruze Insurance

Saving money on insurance for a Chevrolet Cruze requires avoiding accidents and claims, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Comparison shop at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a summary of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,610 more every year to insure a Chevrolet Cruze
• Drivers under the age of 20 pay higher rates, as much as $435 per month if full coverage is included
• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $500 each year
• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date

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.