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 on average $248, collision costs $512, and liability coverage costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $2,968. Teenage drivers receive the highest rates at $5,214 a year or more.

Average premium for full coverage: $1,360

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different Cruze trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates based on a specific location, rather than using average rates.

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

Additional Rate Details

The chart below illustrates estimated Chevrolet Cruze insurance rates for different risk profiles and scenarios.

• The best discount rate is $777
• Drivers who choose higher $1,000 deductibles will pay around $174 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,360
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,696
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,968 or more
• The cost that insures a teenage driver with full coverage may cost $5,214 a year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,600 to $2,300 additional per year, depending on your age. High-risk driver insurance can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age

Where you live makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,840 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $510 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates can be significantly different.

How to Find the Best Cheap Chevrolet Cruze Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick review of the concepts that were presented in the illustrations above.

• Drivers with a DUI or reckless driving violation may pay on average $1,610 more each year than a low-risk driver
• Youthful drivers pay higher rates, costing up to $435 per month if comprehensive and collision insurance is included
• It is possible to save as much as $160 per year simply by shopping early and online
• Increasing deductibles can save approximately $500 each year
• It is possible to save as much as $160 per year simply by shopping early and online

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.