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 prices for a Chevrolet Cruze are $1,322 every 12 months including full coverage. Comprehensive costs around $238 each year, collision insurance costs $474, and liability coverage costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs around $2,882. Teen drivers receive the highest rates at up to $5,094 a year.

Average premium for full coverage: $1,322

Rate estimates for individual coverage type:

Rate estimates include $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Cruze models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why all drivers should compare rates for a specific zip code and their own driving history, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $760
• Drivers who choose higher $1,000 deductibles will pay about $160 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,322
• Choosing low deductibles for comprehensive and collision insurance increases the price to $1,638
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,882
• The cost to insure a teenage driver can be $5,094 a year

View Chart as Image

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

Choosing high deductibles could save up to $480 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 135% more than average. View High Risk Driver Rates

Where you live makes a big difference in Chevrolet Cruze insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,890 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for the Best Chevrolet Cruze Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a brief recap of the material that was covered in the above illustrations.

• Consumers who may need higher liability limits will pay about $500 per year to go from a minimum limit to a 250/500 level
• Teens are the costliest to insure, as much as $425 per month if the policy includes full coverage
• Drivers who tend to receive serious violations could be forced to pay on average $1,560 more every year for Cruze insurance
• Increasing deductibles could save as much as $475 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.