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. 

The average insurance rates for a Chevrolet Cruze are $1,322 a year for full coverage insurance. Comprehensive insurance costs around $238 each year, collision costs $474, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing $2,882 or more. 16-year-old drivers cost the most to insure at $5,094 a year or more.

Average premium for full coverage: $1,322

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Cruze models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above illustrate why all drivers should compare rates for a specific zip code, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $760
• Drivers who choose higher $1,000 deductibles will pay about $160 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,322
• Buying low deductibles for comprehensive and collision insurance will cost an additional $316 a year
• High risk drivers with multiple tickets or accidents could pay at least $2,882 or more
• Policy cost that insures a teen driver can be $5,094 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

Your home state makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,790 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $480 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and quoted rates will be varied.

How to Find Low Cost Chevrolet Cruze Insurance

Finding cheaper rates on Chevrolet Cruze insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, being claim-free, and maximizing policy discounts. Comparison shop every other policy renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a review of the ideas that were covered in the charts and tables above.

• Teenagers are expensive to insure, possibly costing $425 each month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,560 more every year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• It is possible to save up to $160 per year simply by quoting online in advance

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.