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 for full coverage insurance. Comprehensive costs around $248, collision costs $512, and liability coverage is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing around $2,968. Teen 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:

Prices include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance rates.

These examples illustrate why everyone should get quotes for a specific zip code, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $777
• Choosing higher $1,000 deductibles can save about $174 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,360
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,696
• Drivers with multiple violations and an at-fault accident could pay at least $2,968 or more
• The cost that insures a teenage driver for full coverage can be $5,214 each year

View Chart as Image

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

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

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average 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 plays a big part in determining prices for Chevrolet Cruze insurance rates. A good driver about age 40 could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,840 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $510 a year, whereas buying more liability protection will increase rates. Switching 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 only way to figure out your exact price is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so the rates can be significantly different.

How to Find the Right Chevrolet Cruze Insurance

Saving money on auto insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick rundown of the primary concepts that were presented in the illustrations above.

• It is possible to save up to $160 per year simply by quoting online well ahead of the renewal date
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,610 more every year to buy Chevrolet Cruze insurance
• Increasing deductibles can save approximately $500 each year
• Drivers age 20 and younger pay higher rates, costing up to $435 per month if full coverage is included

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.