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. 

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

Average premium for full coverage: $1,322

Price estimates by individual coverage:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Cruze trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how your location can change auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than relying on price averages.

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

Additional Rate Analysis

The chart below breaks down average Chevrolet Cruze insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $760
• Using higher $1,000 deductibles will save $160 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,322
• Choosing more expensive low deductibles for physical damage coverage increases the price to $1,638
• Drivers with multiple violations and an at-fault accident could pay around $2,882
• The price to insure a teen driver with full coverage can cost $5,094 or more

View Chart as Image

Auto insurance prices for a Chevrolet Cruze are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Cruze.

Choosing high deductibles could cut prices by as much as $480 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 135% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Chevrolet Cruze insurance rates. A driver around age 40 might see prices as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for Affordable Chevrolet Cruze Insurance

Getting lower rates on Chevrolet Cruze insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and possibly higher deductibles. Invest the time to shop around at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a brief review of the concepts that were illustrated above.

• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,560 more per year for Cruze insurance
• Teens have the highest car insurance prices, possibly costing $425 a month if comprehensive and collision insurance is included
• You may be able to save around $160 per year just by shopping early and online
• Increasing physical damage deductibles could save as much as $475 each year
• You may be able to save around $160 per year just 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.