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 auto insurance rates for a Chevrolet Cruze are $1,360 annually for full coverage. Comprehensive insurance costs around $248 a year, collision insurance costs $512, and liability coverage is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $2,968 or more. Teens receive the highest rates at up to $5,214 a year.

Average premium for full coverage: $1,360

Rate estimates for individual coverage type:

Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.

These examples show why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below shows average Chevrolet Cruze insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $777
• Choosing higher $1,000 deductibles can save about $1,186 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,360
• Selecting low $100 deductibles for comp and collision coverage costs an additional $336 each year
• Drivers with serious driving violations could pay at least $2,968
• The cost with full coverage for a teenage driver can be $5,214 each year

View Chart as Image

Auto insurance rates for a Chevrolet Cruze can also vary considerably based on the trim level of your Cruze, your driver profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,600 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Chevrolet Cruze insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,940 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Cheaper Chevrolet Cruze Insurance

Saving money on auto insurance takes avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Spend time shopping around every couple of years by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a condensed summary of the material that was touched on above.

• Consumers who may need increased liability limits will pay approximately $490 each year to raise limits from a minimum limit to higher 250/500 limits
• Drivers under the age of 20 are expensive to insure, costing as high as $435 per month if full coverage is included
• Drivers with multiple at-fault accidents pay an average of $1,610 more every year to insure a Chevrolet Cruze
• Increasing deductibles could save up to $500 each year

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.